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Dividing up the loans now probably won't do you any favours if you strata the properties. Right now you'll be assigning perhaps 25% to each unit, but that's not necessarily how it will actually play out. Each unit will possibly have a different value depending on its specific location and...

Technically they're not individual properties. By being on a single title, they're a single property. By the logic above, a landlord who leases a house by the room would have a property per room. You can have as many loan splits as you like, but this deal has to be done in a single loan...