.- I have a mixed use property with 2 commercial spaces rented for the last 2.5 years and 1 short term rental/residential space I have airbnb'd/lived in part time for the past 2.5 years- I owe about $110,000 and have about $200,000 in equity- My credit is 580 - 620 right now due to being laid off last year and missing a couple of credit card payments.

I do keep larger multifamily in separate LLC.To do one LLC I have multiple bank accounts (taxes, rent deposits,  operating and reserves),  seperate credit card, tax ID, tax filing, property management login, and email. 

If I tell you to call 100 FSBOs today, are you going to call them, or are you going to figure out some other way that is your way...text them, email them, send them a post card, when I told you to call them.All the NFL players I know (not that many) know a ton about football and fitness, but all have coaches, trainers, nutritionists. 

So when there is a flag or something is off, I require they submit a pic of the actual SS card to confirm correct identity/use of SS#.

Credit cards often have this with a 12 month repayment.

Curiously, if an investor has LLCs with business credit such as credit cards, LOCs, etc. when the lender pulls the borrower's credit do they also pull the LLC debts to calculate personal "net-worth" or do they just use FICO data, etc?

Personal savings, credit cards.

She declares bankruptcy/pays off those cards with the cashed from the sale and moves forward investing as a business entity.additionally, her personal residence is income producing as well since she rents out two rooms on Airbnb and runs her cleaning business out of an office there. my questions are1.

One option is to wait three months, and get some business credit cards under a new business I started so that it does not hit my personal.

We have the LLC to build business credit and also get expenses out of our names as they are on credit cards.