But now I want to hear your ideas about how I, "the inexperienced investor with nothing to bring to the table" can come to a mutually beneficial agreement.One time I rode my bike from Seattle to Boston, only taking a change of clothes and whatever fit in my backpack, sleeping outside without a sleeping bag for most of the trip.

I'm looking to pull money out of these properties and the bank I am dealing with will only provide loans for new purchases not cash out refinancing.I plan to sell the property from my LLC into my individual name (the bank will be none the wiser as they can't find the beneficial owner of the LLC).  

Although I was still investing in mutual fund and stocks, I missed out on some great real estate opportunities in those years.Lesson #2: Be flexible to changing market conditions: I became an instructor pilot in gliders while I was at the Academy.

Have you tried Liberty Mutual? 

Or does the firm that's handling the mortgage and all the business take all the legal risk, and I just act as a back end investor, just as if I were buying a stocks or mutual funds?

So every tenant wants new appliances, new cabinets, new flooring, etc but if your rents are already at market levels then this would not be beneficial to you.

All of my properties are through Ohio Mutual Insurance.

I try to think that all transactions are mutually beneficial.

You can split the deal with them if they finance it at whatever split is mutually equitable (50/50, 60/40, 80/20).  

We need to back up here a little bit.There are a few things not mutually exclusive.There is a difference between getting paid a fee as a broker/agent placing and tenant and then ONGOING management of the asset.