As a legal matter, I would say that there are ways to hold the shareholder liable other than piercing the veil. 

A loan assigned to your LLC will protect you personally (so long as you do not commit an act that "pierces your corporate veil") and this type of loan will not show up on your credit report, thus it will not effect your debt to income ratio.

@Kathryn Pierce Hi Kathryn.

Quote from @Emily Pierce: Hi Ryan, something to think about with the LLC is that you'll likely lose your homestead tax credit if you'll be living in one unit.

This means that you will probably need to pay registration and filing fees in at least 2 states if you don’t buy CA property as a CA resident.Any lawsuits should be limited to the assets of the LLC and not your personal assets (assuming you run the LLC appropriately and the corporate veil is not pierced, some debate as to SMLLC).

If it’s for asset protection it’s smoke and mirrors as it’s not an arms length transaction and would easily be pierced Save money and keep them in your name

That is a reference to the whole piercing the corporate veil thing.

Any co-mingling of funds can result in loss of protection through "piercing the corporate veil."

If you claimed it as your primary then most lenders advise that you wait one year before transferring them into an LLC since you are supposed to live in it for 6-12 months.Chances are that you pierced the corporate veil when you initially purchased it under your personal name.

There are several things you must do to keep a the DST from being pierced or having the Series structure collapse so that the court would treat all of the Series as one, instead of separate.