Same property listed water bill paid by landlord so how much does it cost to put individual meters for each property so cost can be moved to tenants? 

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 see mentor programs having “personal real estate advisors” populated not by experienced real estate investors but by salespeople for these programs that didn’t make the grade as a salesperson, reading from prepared scripts being passed as individual advice.  

All programs have LLPAs but that's more so any bank's individual guidelines and overlays to specific product pricing.

The concern with the DSCR loan is that I need to make the property present as though it's rented to individuals during appraisal (tough since it's a working rehab facility now) and must create another lease that shows the tenant as personal and not a company.

(End)Unfortunately, HOAs are often ran by individuals who are not the most knowledgeable on regulations, accounting practices, and more - and property managers do not want to intervene for fear of losing the contract. 

Just make sure you do your due diligence as not every lender who closes a DSCR (individual or LLC) loan will avoid reporting to personal credit.

I learned in sports that a massive ego means that you are selfish and hurt the team as a whole even if you individually shine. 

Yes, they are actually selling individual units as well

You're local to me.There's a couple ways to go at this ;If you're looking to save some money you can have your plumber install sub-meters after the individual meters.