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 reached out to an individual selling a home for 45k, cash only.

My initial question is… Is it good or bad to have individual septic for each mobile vs one big central unit??

You may already know this (you should know this), the JADU requires owner occupancy on the property to be rented as an individual unit.  

This City required individual lot grading plans, signed & sealed by an engineer, for each building permit.

As someone who moved to Waco from Miami just because my wife got a senior position in Magnolia, I've met many families and individuals who have come to Waco from LA, NYC, Seattle, etc. just to work at Magnolia, SpaceX, Baylor, and some big churches in town, such as Antioch.

I’m here to learn, share, and network with like-minded individuals who are also on their path to financial independence.Looking forward to connecting with you all, learning from your experiences, and sharing my own journey as it unfolds! 

Quote from @Brian Gaiss: Hello, newbie to real estate investing, but looking forward to learning and networking with like minded individuals.

You will start out as an individual investor and then as you scale become a commercial investor.

As a self-employed 1099 individual, your best route is most likely DSCR.