It's highly unlikely that you'll get a DSCR loan without a PG at this point.

And since the loans were not in their names and as you note Sellers did not know to ask for PG ( although in these cases PG is worthless) These folks walked and left the sellers in a very bad way..

I cant tell you how many times I've had to explain to investors that there is no magic DSCR wand that eliminates the personal credit risk/impact or allows them to borrow 100% of the purchase price or whatever. 99% of DSCRs require a PG which WILL impact DTI on any future loans, whether SBA, mortgage, consumer, etc.

If its your primary residence be ready to sign a PG and jump through a few extra hoops with your lender.

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He and his partner appear to have also signed a PG (link below).Funny you mention podcasts.

This is why getting a PG when lending to a LLC is important.

(SDIRA) An IRA cannot must use a non-recouse loan so they are often talked about in self directed IRAs IRA forums. under the scenerio presented there is no way a bank will do non recourse.. just wont happen. what you can do is rearrange your LLC.. were only on person PG's  the other members each hold less than 20% interest thats the threshold for PG for most all community banks.and you do the PG.. keep in mind LLC's can have uneven ownership and un even profit splits you can have an llc that you own 90% of but you only make 10% of the net profit its not like coroporations were ownership % also equals profit distributions. 

They are your best friend.)Separately, and off topic but it relates to what you wrote, I hope your loan contains more documents than just the PG, mortgage, and note.

I invest in PG County as well as Charles County.