Therefore, transferring our jointly owned investment property into my SMLLC would not trigger a due-on-sale clause?

Nope I do not intend to do any business of the lending variety in Vegas I only do joint ventures there. 

It wasn’t until Joey cleaned out a joint bank account and got Chris for $25k that he realized Joey was not a good guy.

Networking with local investors and building relationships can also open doors to joint ventures or mentorship opportunities.

Investigate "transactional funding" and "joint ventures".    

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

I'm ASSUMING (a bad idea, I know) that they were a married couple and had joint ownership. 

@Andrew Steffens, I’m grateful for the die-hards around this joint, people who serve others with wisdom and experience.  

Is this house under your name or joint?

We specialize in joint venture transactions, collaborating with both seasoned and new investors.