A lender is not going to be eager to loan on a property to an individual who isn't on deed (one of the complications of sub 2 dealing with title insurance not IRS). 

Or info on any effects of changing ownership of the STR from joint to individual in the case of a divorce? 

Individually owned2.

We try to rent together until 6 weeks before vacancy at a price that is higher than the sum of the 2 units individually.  

You definitely want a "like-minded" individual but you don't want that person to do the same tasks as you or its all just a big waste of time.

Interesting how different jurisdictions interpret individual rights. 

Again, I would love to connect with some individuals who have experienced this process before or know a lot about it. 

I am not a PM or attorney, however I have seen other owners just do individual leases for each tenant specifying the room and terms. 

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.

.- Business Model: Looking to provide flexible financing solutions for individuals and businesses who may not fit traditional lending criteria.- Regulatory Compliance: Ensuring all legal and regulatory requirements are met for private lending.Questions for the Community:1.