That's also a good question to ask the Lender, if one exists; and their insurance agency (liability considerations). Why do they want to simply run this data in circles? They are not Changing the total; they are shifting it around and still paying it out of a different place. And have you looked at how the new tax laws treat these types of operation as advantaged or disadvantaged under the new provisions for entity type and operation type? Real Estate is an especially tricky function, now.