Many banks limit personal loan amounts.

In theory, you could QT the property to an LLC in your name and enter into a lease with you personally.

Rentals are extremely difficult to make pencil right now but would only personally consider higher end projects because the costs are far easier to absorb than trying to build in lower value neighborhoods.

Me personally I look at my rental as a business everything is paid for by rental.

I can't just put the LLC's income directly into my joint personal tax return, right?

Bob,I join you in looking forward to an experienced Poster's answer since I'm getting more calls for DSCR loans. 

Lenders often include a portion of the cash flow in the investment property as income to you personally to offset the DTI. 

I personally spend about 50K a year in masterminds and always get my money back just through network of individuals you get access to.

Definitely a personal preference.

Since you purchased your primary recently and in Houston, I personally am bearish on your appreciation potential.