That was more of a leading statement.

Banks that strictly follow Fannie/Freddie won't allow you to close in an LLC, but if you do a debt service ratio loan (this is nonQM, meaning not conforming conventional) you can.

Which leads me to believe that option 3 will be better for protection compared to options 1 and 2 . 

We had a property management lead come in for a single family in Cleveland a few months ago.

I am still working full time and can let my full rental income take care of debt since my wife and I make good incomes ourselves.  

So you’d still have plenty of funds left to pay off debt. 

(I have found a 2-1 that I can afford in a conservative 7% appreciation market)I’m also thinking about putting more effort into lead generation beyond just Zillow to expand my options.

Usually the best place is to reduce debt because that is the same as getting interest paid at the rate on the loan or credit.

Hey BiggerPockets Community,As someone who's been immersed in the real estate space for a while, I’ve come across some incredibly effective strategies that have helped wholesalers and investors streamline their lead generation process.

@Audrey Sommer as many of the folks above have mentioned, Zillow is the biggest platform that I see the majority of our leads come in on.