Your question is a common one, especially for new investors who want the liability protection of an LLC while minimizing the risk of triggering the dreaded "due on sale" clause.

But would me and my spouse being on the title together and just me as the only solo member in the LLC be a “common ownership” or would it have to be exact and me have both of us as members of the LLC!

I know partial assumable loans were (and still are to some extent) pretty common place in commercial real estate financings, but does anyone know of a residential real estate lender who offers partial assumable loans on individual mortgages? 

Avoid common mistakes like underestimating costs or overestimating rental income, and start with something manageable like a small rental property.If you have any specific questions or need help with financing options, feel free to ask!

What I see most common is borrowers calling thousands of lenders to see who will go the skinniest, only to end up not closing on the deal and paying the price. 

@Tyler Speelman pretty common in this area (NJ) but I think depends on location.

If this HR block person doesn't know (which is common with them sadly) it maybe time for another accountant 

Common sense.

Since they are not common, or in any quantity to any area, they are hard to finance since they are hard to get comps. 

They are common sense but many still seem to ignore them.