It is usually cheaper to insure them individually as you can better match the risk to the best carrier.

The language in Cleveland only applies utilities that are not individually metered, so if you have one water meter for a duplex/triplex for example.  

They have people invested in individual properties, especially students. 

We believe the change starts with us and each individual out there who seeks purpose and belonging...

Kenny's name came up on page 1 of Google as being convicted of real estate fraud in 2002. 2) Get an appraisal and inspection.

It’s not that it can’t be done — it’s that most lenders want:One unified lease covering the whole property, not multiple individual ones.Market-rate long-term rent comps that match what they can verify (hard to do with individual rooms).Here’s what a lot of investors do to make it work:Have a single “master lease.”

I’ve reached out to over 20 lenders — everything from hard money to business credit lines — and most said “no” until my bankruptcy is discharged or four years past discharge.I’m not looking for personal loans or unsecured business cards — just realistic options for property acquisition or rehab loans where lenders focus on income, deal strength, or collateral value, not just credit history.If you’ve worked with any smaller or more flexible private lenders — even newer companies or individual investors — I’d really appreciate if you could share:Who they are (or at least what type of lender they are)What their approval terms were like (credit requirements, bankruptcy flexibility, etc.)What worked best when approaching them (structure, pitch, documentation, etc.)I know a lot of people in this community have rebuilt after tough seasons — any guidance or names would mean a lot.Thanks in advance for your insight and for helping someone who’s rebuilding the right way.

This is as an individual shareholder, not the Co-Op entity or sponsor.

I understand tax advice is specific to individuals/timing/location/situation and I need to hire a CPA -  but in general how would this be done?

By collaborating with experienced individuals or groups, you can leverage shared knowledge, divide due diligence responsibilities, and access larger multi-family or single-family opportunities that might otherwise be out of reach.