Keep your property nice, screen your applicants, tighten up your lease, and enforce your lease. 

My strain of thought is - when the big players buy lands in the millions and the construction go in the tens of millions I'm sure someone lend them money for both land and construction, is there any solution for a he little guy ?

I need to tighten up my numbers. 

Florida is cracking down, Ohio and Orgeon are also tightening their laws. 

so many possibilities.If she is not on the LLC as an owner, she should be OK, although, if You are sued, the strain on your marriage may end in divorce anyway.

No job, then cannot pay mortgage, bank will foreclose, banks will tighten loan requirements, and home values will go down.Currently, economy good, rates low, banks loaning, people buying homes. 

If you need to buy using FHA, and owner occupy,  your finances are already strained - in the context of such a big purchase - and with a large PI and MI, can you afford to build solid reserves? 

However I’m straining on how exactly I’m going to fund this hair-brained idea of a business .

When he left his teaching job in June 2015 I expected things to “tighten up” and be fully operational…but they didn’t.I started working with partners in June 2015 when we bought a 3 unit property.

The American banks likewise have been ordered to tighten their mortgage regulations and underwriting criteria quite a bit, similar to the stress testing Karl describes.