Under OKC law, the grower (for personal use) must have express written consent from the LL to grow up to 6 adult plants and 6 seedlings.

Here are some diagrams to help you in your quest for answers on this subject:Asset Protection Decision Diagram - to help assess the need for asset protection, and what to implement : https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-decision-diagramAsset Protection Onion Diagram - what, when and at what cost one should implement in terms of asset protection - https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-onion-diagram-v2What is needed for a complete asset protection OR the domains that need to be intersected to find asset protection

If our rental is owned in my spouse and I's name, do file as a sole proprietor or partnership?

I am local and could even view in person to get a real time experience if you like. 

‘imagine you were looking to buy something personal like a shirt, or a watch.

Otherwise, tell your lawyer to get the paperwork filed, so you are in the queue.

Next day another person calls in, just repeating what I said the day before in a dumb way and eventually said, you know you have to refinance the 1st mortgage, right?

You'll want to make sure you understand the K1/tax filing implications because if you own very small piece of let's say 10 properties in 10 different states you would potentially receive 10 K1s (one for each deal) and 'may' have tax filing requirements in 10 states. 

I'm not sure of the legality so I can't comment there....either way though I'd just go get a personal loan for a balance that low or transfer the property sub-to...

We've found it has superior reporting features, integration features, and is overall more efficient to work within than other REI-specific software.The downside is QBO is not set up for REI so you'll need to do that or work with an expert to ensure it is set up for your business appropriately.Something else to keep in mind is your entity structure and how your entities file tax returns.