and at that point I am completely debt free.. as we get older there is just something to be said about no debt whatsoever. 

Open yourself up to learn here because there is much to sink your teeth into.  

I "cut my teeth" with RTO's when I first started investing many moons ago, and the advice given above by @Roy N. and @Doug Pretorius is bang on.  

I generally have work for one contractor or another just about any time and I have to pull teeth just to get them to show up.My plumber just got too big, or is sick of working on my pipe maze, and no longer takes my calls.  

I'd love to sink my teeth into something like that.  

No issue whatsoever.

Trying to get financing from an institutional lender without a personal guarantee isn't even a reasonable goal IMO.Seems the goal of RE types is to be purely bullet proof to any liability whatsoever.

Well thank you Don but really, I'm not for "more" regulation, I'd like to see many taken off the books, I'm for better regulation and more teeth to hold corporate types personally responsible for their actions, not just mistakes or errors, but obvious violations of law as well as standard practices, such as this rate manipulation matter.I also think that private banks, say under 100 million shouldn't be held to the same standards required of the billion dollar round table.And, smaller financial instutions say under 25 million would have even greater freedoms, but it certainly would not be anything goes as Mr.

Old Oriental Proverb: Before kicking sleeping trigger like Michael Quarles, you best have a plan to deal with the teeth!

It's called a "Due Diligence Contingency," and it gives me the option to renegotiate or back out of the deal for any reason whatsoever.