Even without a track record these individuals presumably know you as an upstanding and trustworthy guy and this means you only have to sell them on the merits of the real estate.

Can someone please advise me on the pro's and con's and keeping the lot as a single lot with all 14 duplexes on it or subdividing each lot to have 14 individual lots? 

My spouse and I prefer not having to split things up and retitle ownership under separate individual trusts.

Is there a faster method then sending applications to individual tenants in response to their request to see the property?

Individual homebuyers cannot compete with institutional money. 

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 a U.S. 

I will say that the borrower has a better chance to negotiate on the fees, interest and when they are to be paid with a private individual lender as opposed to a hard money style lender (that has more overhead).

Another guy owned about 15 units and the rest were owned by individuals.)

For potential partners, focus on individuals with cash looking for returns, inflows, and tax benefits.

The other three properties will not be considered by the segment.So, focus on selecting a tenant segment with a high concentration of reliable individuals and purchase properties that meet their housing requirements.How to Identify a Tenant SegmentThe process for identifying the segment for income reliability is straightforward.