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The entire goal is to help you / individuals like you who are interested in a finding an agent who works with real estate investors.

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.

I manage a few smaller complexes and they are all on individual price schemes though they are usually within a few dollars of each other. 

Best you can do is individually pull title on properties. 

Ultimately, it’s about trusting your gut and assessing each situation individually.

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.

Some will shed most is not all of their rentals and just do lending .. personal choice.. some things to keep in mind ONLY do first loans. 

I'd be surprised if the complex doesn't have individually metered units so you may be able to eliminate the utility expenses unless those are for common areas like walk ways, parking lot or laundry.

These costs for most of the individuals are considered personal in nature (unless you have a RE portfolio that is run like a business; see below).