If the person stops making payments, they alas,  have to foreclose.

But I noted that places like North Tonawanda as @Pravit Jarriyapurttipong mentioned are actually outside of Erie County, it's in Niagara County, which follows the stricter landlord laws as New York State... https://ag.ny.gov/sites/default/files/changes-in-nys-rent-la...Would you recommend sticking to Erie County boundaries for this purpose?

LLC, S-Corp, etc), to file their BOI Reports by the end of the year to avoid being penalized up to $10,000 per entity. 

. - https://www.dre.ca.gov/files/pdf/tic_guidelines.pdfby the way I received a lawyer referral who is supposedly familiar with tic in California.  

I have two phones, one for business and one for personal.

Although the journey has been worth it, I've sacrificed quite a bit from a personal lifestyle perspective, relationships, etc.

Quote from @John Friendas Quote from @Patrick Roberts: If you are on the note or personally guarantee the debt, then it will affect the liability side of DTI, regardless of whether the lender reports the loan on your personal credit.

For comparison, a Navy Federal FCU personal loan will be in the 15s%

If you close with a conventional loan, it will need to be in your personal name.

So, we file to foreclose, the borrower file BK, and we go through 2 years of BS.