In my experience, you are thinking through this correctly.I've heard lawyers say, if the loan is in your name (which it has to be for conventional) and the deed is in the LLC, you aren't treating the business as an independent entity and in a severe lawsuit, the corporate veil is pierced and the LLC can be thrown out.I agree that one of the best defenses is to run your properties well. 

Recognize any cash you add to down payment is increasing your cash flow by the rate of the loan.  

Most residential mortgage lenders that I work with max out their LTVs on primary residences at 70%, which would mean a loan of $336k.

More on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

Instead, you must invest in a purely passive way, such as a syndication.Second, real estate is a tax-favored asset and investing in a tax-favored asset through a tax-deferred vehicle is a bad idea. 

If I am applying for a mortgage for anything I have to self-report these loans.

I have funds tied up in other projects at the moment but my inbox is FULL of solid deals.We are familiar with some companies that do this.Som will only do first position loans so in many instances you need to refinance out through them and it can get expensive if you ahve a low interest rate.

We syndicated 75%, plus costs of the purchase price and financed the balance with a traditional loan.We shopped around for weeks to find the perfect loan with the best rates and terms.

Hard money and standard loans (Conv, DSCR) are unlikely to be available for deals under $75k.

But they'll also need to be aware that they won't be able to get a loan to build anything on it either in the future.There is at least one company out there I've looked into before.