So if the underwriter on your file for a coventional loan were to see that PG document then they will count all 18 of your properties as "financed properties," since it proves you're personally obligated.If the PG document were not in the file then you only have 1 financed property (assuming your primary residence is financed and you have no other properties in your name or personally obligated on).If the commercial lender integrates the mortgage or promissory note with the PG or personal guarantee it will most likely be flagged so having them separated can prove to be advantageous atleast from a fannie mae conventional financing stand point.

If you can stand it option 2 gets you ahead the fastest I think.

Nuts for the stand have come loose over the years.

Since I took my break I got my real estate license and have been researching my market to get an idea of where I'm standing. 

That tells a lot about where you stand and what you need to do.

As it stands the house is listed at 50k under comps in the area and that assumes the bank wont come down more.  

If you can stand a duplex try it ( currently doing that in DC).2) Brick and mortar banks will beat Quicken, they just do not work the hours they do.

We certainly did not accrue the capital we needed, but it taught us an important lesson about VCs and Partners: If you are truly prepared to stand behind an awful idea, you should also be fully prepared to fund it yourself!

As it stands now, a sign in the yard and an ad on Zillow yields me plenty of prospects.

@Mario CascioWe use a few of the Schlage keyless deadbolts (the ones that do not try to slide the bolt itself) and they stand-up fine to our winters.Self-locking door sets on anything but a storage room are a recipe for unwanted "I locked myself out" calls ... it may be less of a problem on a detached garage, unless they walk out with their arms full, but the house keys still inside.