DSCR loans, investing, and ch 13 bankruptcy

Hi everyone. I’m hoping to get some real world insight and I ask upfront that responses be constructive and respectful.

For context I’m a realtor, single mom of three and started flipping houses last year. Over the last couple of years my finances and assets were heavily impacted by a federal case involving my spouse. As a result assets tied to that situation were seized or forfeited, and I’ve been rebuilding from scratch while raising my kids on my own.

I’m not sharing this for sympathy just to explain why my situation isn’t straightforward and to gain insight from those who have navigated a complex situation like mine and still been successful in REI. 

I’m currently weighing whether filing Chapter 13 makes sense as a strategic reset, but I don’t want to unintentionally stall my ability to continue investing long term particullary when it comes to DSCR loans.

I’d really appreciate hearing from people who’ve actually been through this or worked closely with investors who have. Specifically:

• Has anyone here filed Chapter 13 and still invested during the payment plan period or after discharge?
• For DSCR lenders, Is the commonly quoted 3-4 year wait after discharge universal or lender specific?
• If an LLC is owned by two partners, for example a family member and myself, and the LLC takes on a DSCR loan with no personal guarantee from the partner in Chapter 13, has court approval typically been required in your experience?
• Where have you seen the line between needing court approval versus simply disclosing entity level, asset based debt?
• Looking back, did Chapter 13 ultimately help or hurt your long-term investing momentum?

I already have an attorney and am not seeking legal advice here. I'm trying to make an informed decision and would really value insight based on real experience not just theory.

If you have experience here, I’d really value your insight. Thanks in advance.