In other words, occupant #1 has four Service Disconnects on his Service Conductors ...

Service Disconnect isn't defined in Art. 100 by that title, but as I understand it, it is AKA a "main"... the "numero uno" breaker (residential min 100A), that, by being turned off, kills power to all of the branch circuits contained in the same panel (main breaker style), or any panels "downstream" from it's location if remote...say at the meter.

Four Service Disconnects for one residence? Am I missing something?