Hey Sam, I think you need to first  establish what it is you are looking to accomplish and then present it to a lender accordingly.

Maintenance and Repairs: Property managers have established relationships with contractors and vendors, ensuring timely and cost-effective maintenance and repairs.

Established borrowers are not paying interest of loans that have matured and WE the investors have our money stuck doing nothing.  

Instead, I have established a donor advised fund (DAF) for charitable giving during and after my death. 

There's a lot to offer on this platform.

I had already established that the ride is volatile. 

Of course the co-signer should be significantly stronger in ALL areas as compared to the applicant...usually this is a parent or relative, and they should be well established, with ownership of real estate for years; long and stable employment; no, or very distant, criminal and traffic court records; well funded SAVINGS/IRA's or stock market accounts.

Most likely you will establish a Solo 401(k), due to the additional benefits, some of which were already mentioned.

Eliminate debt, establish a budget, and save.

But it's a lot to sort out and reconcile.