Therefore, transferring our jointly owned investment property into my SMLLC would not trigger a due-on-sale clause?

If you want to share in the upside (but also risk your capital) you can do joint ventures with small investors.

Networking with local investors and building relationships can also open doors to joint ventures or mentorship opportunities.

Investigate "transactional funding" and "joint ventures".    

Or did joint ventures with people and next thing you know has $2M in judgments against them, which you can say deals go bad but still have not found someone who made money working with this person... meanwhile they sell $15k training courses.What I would say is the money is made from being a social media influencer.

Days wind down and now they have a (knee jerk) reaction and buy something non-optimal for a property just to avoid tax penalties.Had they been realistic starting out they would have had time to locate quality properties to buy instead of looking for a Unicorn.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

I checked in two days later and he had completely botched the install- amongst other things he staggered every other joint and the place looks like a checker board.

I'm ASSUMING (a bad idea, I know) that they were a married couple and had joint ownership. 

We specialize in joint venture transactions, collaborating with both seasoned and new investors.