This open concept home includes designer styled kitchen with custom cabinets, granite counter tops, stainless steel appliances including a stainless steel farmhouse sink, vented hood system, and a stunning glass tile back splash.

Kitchen has custom Cabinets, Stainless Steel appliances including Gas range with pot filler, tile backsplash and leathered marble countertops.

But I don’t think you made your thinking visible to OP that buying in personal name to begin with is the basis for your comment.

Furthermore, the heat poses elevated wildfire risk, which could partly be why in two filings with the California State’s Department of Insurance on Thursday, State Farm disclosed it is seeking a 30% rate increase for homeowners, a 36% increase for condo owners and a 52% increase for renters.No matter what side of the political divide, in my near forty years on this planet I have personally noticed local and global warming.

I was thinking of purchasing small multifam 2-4 units with DSCR and using personal loans to cover the 20-25% DP.

We could also go with a private money lender on the $190K - just need to find the person!

Do you have any recommendations for one that can be customized with clauses and downloaded-  not just sent to tenants online once done? 

Really great person to work with. 

Now, I believe the right legal CYA move is to have one LLC for each individual property, but personally, I don't want to keep up with the bookkeeping on that! 

The magical power of a personal guarantee by an officer of the company is that it aligns the spending preferences of the company with those of the guarantor, which will just happen to align with your preferences.Truly an amazing power, in my opinion.