I am not the one making the payments, but it's still on my credit report.My limited income, combined with being a co-signer on the loan, results in a less-than-ideal DTI ratio.Under these circumstances, what type of loan or lender should I focus on?

So definitely include clauses in all leases that limit the types of businesses that can operate within the space.

I can afford the loss.

As for heat loss along the way why does it matter?

Investing as a limited partner/ passive investor is a somewhat risky endeavor whether it in private placement or in the public markets.  

They were great until they put a $1M limit on my policy because a couple of my homes ha pools.

There are limited exceptions for properties that were recently purchased but it does not sound like that applies to your situation.

Quote from @Patricia Andriolo-Bull: Quote from @Henry Clark: Start Defamation of character lawsuit also loss of income.  

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Most of my clients run their SFRs at a 25%-30% (excluding vacancy/credit loss) operating expense margin and most of the banks I deal with on their DSCR loans underwrite using 35%.