Don't forget you need a mortgage and note to secure the investor's money. 

Fortunately though we have a strong and steady rental market, so while our returns might not be the highest, I feel positive about the long-term security of my investments in/around this city. 

As a wholesaler, your role in the big picture is to identify and secure a purchase opportunity that you can deliver to your buyer, so that THEY CAN MAKE MONEY.

•The investment could be structured in many ways: secured or unsecured promissory note, joint venture, etc.

I was thinking an exterior door (it's an interior staircase) for security, is that a possibility or a bad idea?

We will be renting out a couple rooms to close friends who were eager to secure their spots.

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I read some things from @Chris Mason that if they are secured funds it's not necessary.Also this loan shouldn't be calculated with my DTI, correct?

I  I have a business bank account to separate funds, and thought it would be great to start building my business credit by getting a secured credit card.