I am only financially responsible for the utilities and have never purchased a property in my personal name (which was discussed with the lender prior), I have only bought a few fix and flips in my business name.

With limited time I have in US, I have some financial targets to meet, one being scale and increase my net worth.

My goal is to achieve financial freedom by age 36 and to understand various aspects such as investing education, strategies, business planning, properties, marketing, and exit strategies.

Track recordWe see instituational "sizers" on how they price loans and can say they grade you by your credit score, your experience, the LTV and property financials.

Either can work, or either can be a huge pain, but that's the reality of common area ownerships.I've worked on some small 2-3 unit condos like this doing the condo plans and the CC&Rs have always included provisions for financials, budget etc. as well as dispute resolution.

Lenders Account for Your Real Estate Liabilities, Even If Not Listed on the REO ScheduleThe vast majority of DSCR loans are personally guaranteed, they will still be noted in your overall financial picture, and lenders will factor in these obligations when calculating your true cash flow and risk profile.Even if the title of a property is in the name of an LLC and the property is not listed on the Real Estate Owned (REO) schedule of your personal loan application, lenders will still account for any personal liability associated with the loan.

If times get financially difficult will people stop eating or will they stop going to the doctor (unless its an emergency)?

I have a Masters in Advanced Financial Life Planning, a CFP (Certified Financial Planner), CFT (Certified Financial Therapist), and am a candidate for both the EA and APFC. 

A background check can uncover criminal history, past evictions, judgments, or liens, which could indicate issues beyond just financial stability.Even if rent payments are guaranteed, the applicant will still be living in your property, so knowing their rental history and overall reliability is just as important.

Due to current market conditions and unforeseen financial challenges, we havedecided to temporarily suspend distribution payments.