And then I’ve heard take a conventional loan and make sure you have a good umbrella policy.

@Patrick Shep I would absolutely encourage you to apply without any co-signor.  

Also, it helps if the deal has good returns, which might be questionable at this point, although I know nothing about the market or the property you are investing in.Bottom line is that if the deal works, I would recommend that you go in with a partner or under someone that has experience doing larger deals and potentially syndications.  

Can you borrow against it?

Speak to a lender you can trust about this.

If you disagree with something or do not like it instead of using a downvote button to hammer someones numbers (Which some people cherish) You can simply state your thoughts in the open forum without affecting their numbers.

I keep going back and forth on which avenue is best for me. 

Please help us find deals for Dave to review by submitting your deals on the link provided, and give us as much information about the deal as you can! 

I rely on personal care assistants (PCAs) for daily help, which are fortunately covered by government benefits.

I am not sure why you are still considering it.