., a DSCR (Debt Service Coverage Ratio) loan could be a great option as they are not based on your income. 

You might buy a house to live in and rent out rooms, or a BRRRR property, based on the market.

Hard Money will fund 90% of the purchase price and 100% of the rehab on a draw schedule.You will likely want to refinance into a DSCR loan.

You can have an attorney draw up some kind of partnership agreement, but that also cuts your ROI and increases your expenses potentially for tax advise. 

That's a private agreement between you and your LLC and that loan is not recorded in any banking data base that it would be put on any credit report.You are fine just depositing the money and then moving forward.

Let's look at MSA median incomes, because reality is when "investing" in a MSA Real Estate, well, revenue and profitability will be DIRECTLY dictated by your customer bases ability to pay, right. 

Gains through crypto felt uncertain to me but still had a draw, so I decided I wouldn't use more than 5% of my disposable income to gamble (whether on leveraged index funds like QLD or crypto).

If you do not qualify for a HELOC or a traditional cash out, You may look into doing a DSCR based second mortgage or 1st. 

Pretty much all that have been mentioned here between the two vehicles.a lot of the other items come into play based on your own specific financial situation.so for what you have provided that is all 

These are based on fictional numbers, assuming a 7-cap valuation at refinance & sale.