Not sufficient for individuals' identification always, though.

When attending the various sessions, I learned many individuals started their journey with house hacking.

While I agree with what Noah shared about the individual with millions in the bank being able to make the $10K risky investment without a poor outcome impacting them, the capital raisers are not going to the investors with millions in the bank.

Is the PM an individual that works for a larger organization or their own independent business (eg like a realtor who works with a group of people at an office)? 

Last week I was chatting at a party with a State Farm agent (not my local agent) who clued me in that State Farm will write commercial policies for STRs, including SFH owned by an individual or trust. 

Also, It can’t be subdivided and the duplexes won’t be able to be sold off individually.

I've researched that some individuals will build, put the build in a 30-year mortgage with a bank, pull out the equity and repeat the process in another build.

This applies to house hunters for construction crews (or high-value individuals), insurance claim relocation specialists, and nursing contract placement coordinators. 

Not having individual meters is simply unprofessional.

If you do this, plumb and wire each one to the individual units to keep your costs down.