The irony is most investors who form LLC's do not operate them correctly, fail to obtain appropriate types or amounts of insurance coverage, fail to understand their coverage exclusions, take short cuts and don't obtain permits, use unlicensed and uninsured vendors,  fail to execute contracts with same vendors, don't understand the mechanism of additional insured status, indemnification etc. and are actually more prone to claims and conflict with their LLC than the individual who does not own real estate in an LLC but understands these tools I mentioned.

@Jeff CostaThere are other players in the space, most are institutional and don’t handle the individual investor.

I like duplexes as well, yet part of the puzzle is incorporating the 3 affordable housing units (2 bedroom).

I have a question about the Rental Application process and my situation:I have an application with two individual that agreed to both mutually divorce and they have 2 kids.

By incorporating additional collateral to secure financing, investors can enhance their security, ensuring that the asset pool remains sufficient to stay within the desired CLTV range.

You assume the individual with a good application will keep the other straight and choose to rent to them.

As for the refinance aspect, if you're going from LLC to individual (or vice versa), at my shop you would just transfer title into (or out of) your LLC at the close of escrow, so that part is no biggie.

I have formed 2 LLCs, each to hold the individual properties.

Although single moms may be the majority, I plan on partnering with local organizations and non-profits that may market my rentals to individuals using their services.

To help others get a feel for seller concessions I created a lil Acronym for some questions that can help one determine if a seller concession strategy is plausible and what to think about when incorporating one into an offer to purchase:Sales Price- By increasing the sales price, can the buyer still qualify and what's the out of pocket savings going to be redirected towards?