I am a couple of counties south Hillsborough (Tampa) and in years past, my county attached the water bill to the individual and not the property, but they changed the law and it now attaches to the property.

There could be an advantage to this because you can sell units individually.

I am part of a group of three individuals who are looking to partner to invest in a duplex.

I'm guessing because they were originally focused on renting individual rooms, so people could list individual rooms within a house or list the entire house.

Multifamily real estate syndications are completely different as there could be hundreds of individuals involved, thus some profit sharing.

This will not only let you sleep well at night but also enable you to properly manage the investment I.E. repairs, replacement, etc when needed.

There are also business loans that are based on the business, although individual guarantee may be required in some cases.Quitting your W2 will make lending harder and more expensive.

Even the stoutest agent (I believe) has no problem with individuals seeking to buy their own properties off market.

So, what is the difference in rate and complexity between conventional mortgage which is on individual's name v/s mortgage on LLC name?

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