Rentals are one area where the little guy can still compete with the mega corps and large apt complexes, often winning over some choice tenants with personal service, flexible terms, and small touches...Just a few ways, off the top of my head, that I think we can gain a competitive advantage over more rigidly run large complexes (though all markets vary, so these are based on my experiences)....) flexible terms (I offer a six month or one year lease; of course, most six month folks renew, but some like the flexibility; some large complexes are "one year or nothing" in my market..)) new mats (inside and out of the doors; bath, even runners or area rugs in high traffic area for vinyl plank flooring)...while they add some "wow factor" and look like gifts, there is self interest at work here, however, as the matting greatly reduces wear and tear on my flooring.) pets on approval ( I have some of the best behaved canine tenants imaginable, and their high quality tenant owners stay long term, are respectful, and pay well,yet are often shunned by many "no pets" larger places)) small (tax deductible) $20 gift card at holidays ..

I'm looking for a mutually beneficial, long-term relationship with a lender to grow my portfolio quickly.If you have any products or ideas that could help me continue investing (or can refer me another lender that does), I'd love to hear about them.If you're a lender, please either send me a private message or post your contact info in this thread, and I'll get in touch with you with more info on my existing properties and loans.Thank you!

The above strategy is really beneficial at a time like this. ..when the TSP funds are not doing well.  

Your question is more of a lifestyle choice.

Success is a process, failure is a choice

To not disclose this would be mortgage fraud, and I definitely don't recommend that :)You asked how to structure this to be most beneficial to your DTI for future deals?

I do not use an umbrella product but I could see it being beneficial for someone doing several projects at once or as J Scott says if you have lots of personal assets to protect.  

Good choice...

I am not sure how financially beneficial it will be in the end but long term I believe this will pay off as I buy more of these properties. 

Our indoor system choice as also influenced by having to jackhammer up a large concrete patio in the back yard too.