For clarity; as with a trust, lenders do not exercise the "due on transfer/sale" clause when real property is transferred to the SAME individuals in an official capacity (e.g.

It is unfortunately a very risky thing to invest with individuals.

I contacted Buildium and they confirmed they do not offer credit card tracking, but offered a workaround which was to set up a credit card as a bank account, and when there is a balance it's just always negative in the bank account, and this would allow you to track individual purchases like it was a checking account.  

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. 

It all comes down to preferences. 

I usually try to get 10k but sometimes its not possible and I would prefer to make something and give the investor a good deal rather than make nothing trying to move a bad deal.

kind of like prosper and those type of companies ( which I cant see loaning money to individuals totally unsecred like a CC company ) that seems like super high risk.

My goal for next year is scale and acquire at least 5 more properties (preferably multifamily).

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 prefer to stay further from the coast and hopefully further from major storm/flooding events (potentially lower insurance costs).