My first reaction to your post is if you're purchasing assets that are throwing off positive cash but your DTI is going up then it may be time to re-evaluate the type of assets or the expenses associated with those assets.  2.

Many people don't realize that you gain as much or more net worth through debt pay-down, and while it's less liquid than cash flow, over a 5-10 yr hold period it's considerable if you buy in the right areas with the right asset class.

I would be amazed, shocked even, if a traditional financial institution was willing to lend on a non-habitable asset up to 80%. 

Prioritize your financial stability.

If you need 10 minimum and have to hold those non-paying tenants until you get 10, what does that cost you in your financial model?

Asset Condition 3.

Syndicators advertise for people on Facebook and other sites because most cannot raise institutional money as to raise institutional money they need to have audited financials, a due diligence report done on them by 3rd party to start.

Every hedge fund is always buying and selling assets.

Whie DOS lender risk may or may not be high, being ininsured is... well, enjoy your 'asset protection'.

As firefighters persist in battling the blazes, many residents are left assessing their financial and emotional losses.