Creative + Traditional Financing Combo tied to partnerships?

[Salome Dcunha]

just finished listening to Podcast Episode #14 with Ben Leybovich - wow!! Now that guy knows his stuff! Left me with so many questions. One of them being...How do experienced investors refinance when they can't qualify for traditional conventional loans? Is this strictly solved by having a partner who does qualify? Or from just taking out a different type of loan (portfolio or hard money loan)? Also in terms of partnering and conventional loans - if your partner is your spouse and you both have different names, could you each take out multiple loans till you max out? Would that only be true if your assets were completely seperated?