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.

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

We require acceptable printed documentation of income (preferably showing year to date total earnings; hiring letter if new job plus last paystub), savings (they can redact the actual account number, but it must have enough identifying info to prove whose account it is), or whatever applies to their situation (passports, green cards, trust documents).

.- 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.

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. 

Credit cards often have this with a 12 month repayment.

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.

@Steve Vaughan is right on point per usual, shop local first build a relationship and if strategic default is in your cards yea not a good play here you'll sign a confession of judgement.    

They have one checking account or credit card for the business.