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.

In California, a tenant is considered an “at will” tenant if ALL of the following conditions are met: (a) the individual occupies a property, or room within the property, with the owner, (b) there is no agreement for the occupancy to be for a specified period of time; AND (c) the individual occupying the property is not paying, and never has paid, any rent.

Thank you, Do you think families treat the property better than individuals?

I think it depends on the individual and opportunity.

If you're refinancing six properties, bundling them into a portfolio loan might help you consolidate debt, reduce rates, and avoid individual property issues like this.Negotiate Closing Costs or LTV with Kiavi.

Every individual contract is different.

Individuals? 

I screen individual dogs (of any breed) with an in-person evaluation before accepting their owners as my tenants.  

If you are not attached to the duplex, could be a good time to sell to developers who want to convert to individual condo units.

Denver and its surrounds have particularly active markets and a lot of active individuals offering ancillary services so I'd suggest you research those available services you're looking at offering to help you get an idea for what is well covered, what is lacking and what your competitor's pricing looks like.