He was in charge one year for the military NAcom joint command fire efforts for San Diego up to the bottom of LA. 

Investigate "transactional funding" and "joint ventures".    

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

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)

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

He was in charge one year for the military NAcom joint command fire efforts for San Diego up to the bottom of LA.

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

@Andrew Steffens, I’m grateful for the die-hards around this joint, people who serve others with wisdom and experience.  

This could let you start building relationships with others in your area (and potentially lead to joint ventures later) and to build up your working capital.

Mentorship and joint ventures are excellent ways to gain experience, and it’s essential to start small, communicate clearly, and build trust.