Curious to know if landlords are using Cozy for 3-4 tenants in an individual property or just setting it up through 1 of the tenants for the full amount?

For Sole Proprietors, Independent Contractors, and Self-Employed Individuals: The sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment, or similar compensation and that is in an amount that is not more than $100,000 in one year, as pro-rated for the covered period

The link contained in the Buzzfeed article contains a chart (image below) that shows over 75% (1,4568,000 of 1,928,300) of rental properties are owned by individual investors.

Small businesses employ almost 50%+ of our workforce but the big corporations get all the attention and bailouts, in this case its going to be way beyond the $2Trillion earmarked for individuals, more like $10Trillion.

Would it need to be a personal loan with only one individual on title, multiple people on title?

There are people who have bought 1-3 notes etc and I consider those individuals people who invest in notes - whereas being a note investor is doing this on a consistent basis.

“Previously, if a married couple had depreciation deductions that exceeded their real estate business income, the couple could claim that "loss" to write off taxes on a maximum of $500,000 in income from other sources, like wages from a day job.Under the change, our rich taxpayer couple -- and this applies only for individuals, not corporations -- can now deduct an unlimited amount of "excess losses" in real estate against income from other sources.

I'm mainly using my license for referrals, and for my own investments, be interested to connect to like minded individuals. 

& GENEROUS with individuals. 

The trick is to find a cheap property that needs rehab and having another individual/entity pay the total costs initially.