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

A private lender is typically not a business, its typically an individual.

The lack of performance on the management side has my client a bit questioning the fee and competency that may affect the future sale during due diligence as well.

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.  

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.”

You're going to run into this in most of the major STR markets because within the last 2 years we have seen a massive spike in available inventory.In order to compete with the competition now, hosts/owners/operators need to step up their game and be willing to invest in good quality furniture, memory foam mattresses, high quality linens, professional seasonal photography, etc.In the high desert, most visitors are looking for peace, quiet, privacy, and amazing scenery so this means stay away from purchasing homes in residential neighborhoods with neighbors on all sides.

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

I don't think there's a chance that bigger builders are going to lower their prices and "create lower comps" to compete against.

They have people invested in individual properties, especially students. 

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