We had to request correction of multiple other items that we did not feel were finished with sufficient attention to detail.

It's not flashy, our growth is slow, but I sleep great at night. 

The easiest way is to bring on a partner who has a lof of capital they are looking to deploy, but I always encourage having sufficient reserves.  

If some celebrity died on your property and a bulldog lawyer was sufficiently motivated, your LLC can likely be pierced. 

Your choices are limited since there is only a handful list of lenders who offer such loans, but it is sufficient.

Once the transaction is done, I transfer my property to an LLC (on its own) and sleep good at night that any liability that happens will remain within that LLC.

Equity and retirement assets wont do anything for DTI unless youre retirement age, have a plan in place to create income via IRA distributions, and have a sufficient balance for the distributions to continue for at least three years. 

It just all depends on what you want, if you perfer a tenant in your back yard paying you 3500$ and that helps you sleep better at night then go that route.If want a small multi family about 30-45 mins away from your home that has 2-4 tenants in there thats also a good way to go also. 

I like to think of myself as more of an investor than an agent and I like to treat my clients the same way I run my own numbers (which is extremely conservative, I like to sleep at night).

But I did sleep a lot at Holiday Inn Express studying this dilemma.