As long as it is fewer than six individual services, you shouldn't need a separate disconnect, IIRC. (barring unforseen local Code interpretations)

[aside] One concern is if there are common areas (laundry, storage, hallways, garage) an additional panel/meter might be needed for (terminology blank) "landlord provided power" for those areas. If there are, your customer (landlord) might want a separate meter and panel for those areas. Just a thought.[/aside]