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

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

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.

Many newly build, luxury high rise condos were not qualified for any financing because the building didn’t have the required number of units owner occupied as required by Fannie, Freddie, and individual lenders.  

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

A lot of the arguments for why it is absolutely imperative to use an agent were fear based and hinged on the principle that the individual did not have the capacity to conduct the transaction without the 'trained professional'.

So, you are warning the community about one set of individuals who have a disagreement with another individual.What is your REI background? 

Hello, I am looking for a recommendation for a property manager (preferably an individual) who can manage multiple properties in the Cleveland, OH area. 

If you can get both then wonderful, but generally most investors pick one or the other as it suits their individual goals.  

(there are some exceptions, but expectations don't make you money) So that leaves "individual landlords" who self-manage.