Therefore, transferring our jointly owned investment property into my SMLLC would not trigger a due-on-sale clause?

They sound like regular conversations where the RE professional/investor is genuinely interested in discovering the seller's pain points to help find a solution.All the best!

Networking with local investors and building relationships can also open doors to joint ventures or mentorship opportunities.

Investigate "transactional funding" and "joint ventures".    

Be different, BE GENUINE. 

Your feedback is crucial, and we genuinely appreciate it.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

I don't mean to discredit them, I am genuinely curious as to their roles/function/incentives.

Plus his on air persona is a likable guy who seems to genuinely want to help (maybe he did start off that we, we have no way of knowing).

Knowing what i know today, I always encourage new investors to do their first investments with professional guidance if you can find it -not so much the guru courses, but a personal approach from a genuinely experienced investor in the market you are entering.