You may also want to ask them to cross-collateralize another property or give you a personal guarantee to further protect you.

It also depends on your price point and budget. because this is going to be your personal residence, at this point, I would just keep aware of city news and developments, and neighborhood pockets.

I suggest to make deep research about the location and risk or ask experts personally before take actions. 

I personally have no interest in buying my own...

They can and often will say 'no' but if you can just get a 'yes' on a single digit fixed rate you're probably better off than any personal or consolidation loan you may get.

None of that matters because the algorithm and pacing of the sites and their own personal directives change faster than the speed of light.

The good thing is you're a BiggerPockets member so you're most likely not a gullible person and you share on BiggerPockets to get feedback and learn.

If anybody has any personal experience or any good books/blogs, I’d love to hear about them – thanks!!

Although a DSCR is lenient on your personal income, they will still require a relatively clean appraisal.

(I had iCloud storage for my personal use prior to getting into this field)I realize the above items can be used for personal use as well, which is why I am asking.