Now, when i refinance the home for 100,000, do they cut me a check for that amount? 

@Mateusz SokolAfter the Dodd-Frank Act, the banks (entities that take deposits) really have cut back on their lending.

If they cut you out, then you've spent 5 minutes figuring out who NOT to work with.

I was thinking we could install more baseboard heaters and turn off gas furnace all together or at least turn on the baseboard heaters enough to cut down on gas consumption.

Do you anticipate having holdings in multiple states, in which case you may want to consider forming a CA LLC so you don't end up with this problem in the future since you are based in CA as a central tie. 

I currently have a bank account for just the business, but now that I've scaled the business I have an LLC, although the account isn't tied to the EIN yet.

It sounds like it can cut the time I plan to take action in half.

This is helped by the tenant pool being professors tied to a university program. 

Through creative advertising, selling valuables inside, making scrap yard trips, and cutting the grass.

I got a lawn care company that could cut both our sides at a discount, and that opened a door to negotiations.