Who's name is the lease in, tenant or insurance company?

When I had my traditional HML company and 100% of our funds were investors

Additionally, regarding the legal structure, an LLC seems to be the most suitable option for our situation.

Of course, every owner's situation is unique and factors like the legal entity involved, purchase date, adequate passive income that can be offset with the cost segregation study, etc., will need to be considered.

I've been searching myself for 2 years now and have yet to find one good cold calling company, I've even tried to hire off upwork directly.

What is anticipated legal costs?

A legal duplex will have everything separate.  

In the program, it appears that you offer a Pre-Loan Application-- perhaps this is how the program is legal?

This doesn't replace the need for a MSA that will capture additional clauses needed on a Contractor-SubContractor relationship, this is just a project specific form you would use in addition to the MSA (prepared by your Attorney):This template is for informational purposes only and does not constitute legal advice.

There's usually a good reason why a company is cheaper or more expensive.