We have assisted clients that hold property individually or in an entity and they transfer to another entity and have never had a lender call the note due. 

That's actually the property ID, it works similarly to an MLS ID but is specific to Redfin to keep track of the properties uniquely.

And individual deals.  

Personally, as an investor, I'm a fan of unique stays that allow for higher rates and less traffic.

I started diving back into learning by reading the Real Estate Rookie and was hoping to put myself out there and find some like minded individuals that are in the beginning stages of their investing career as well.

Yes, there are exceptions for significant life events (job change), but each individual must meet the FHA loan qualifications on their own, and the second loan must be for a valid reason, like a job relocation or other extenuating circumstances.

Each unit is on individual wall/window units and I know from experience those can be a pain to deal with too. 

Waivo and Furnished Finder partnered to create a unique product just for MTR.

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.

When pulling the credit report one of the individuals has a high debt to equity ratio (50 %) My fear is what if this High DTI and credit usuage could result in one of the parties defaulting on future rent.