If you're a married couple and one spouse doesn't work, have the non-working spouse take sole title to the property and get the DSCR loan (regardless of whether it reports on credit or not). 

You need cash, a line of credit, or hard/private money (which is very expensive and dangerous if you are new and don't know what you are doing) to take a deal down. 

Private money lending is a great tool for investors because it’s asset-based rather than credit- or income-based like banks.

Force them to sell off everything, most likely with some at a loss, and return whatever is left over, first to the attorneys and then the creditors, and finally to us investors?

However, there may be no equity after settlement of secured and unsecured creditor claims.

Real estate investing comes with inherent risksfrom lawsuits to creditor claims—and without the right legal protections in place, both your personal and business assets could be exposed.

- Do you lean on private lenders, hard money, lines of credit, or something else?

Lawsuits, liability exposure, and unexpected creditor claims can quickly derail even the most carefully laid plans.Many new investors fall into the trap of “analysis paralysis”, researching endlessly but never making a move.

Real estate investing comes with inherent risks, from lawsuits to creditor claims, and without the right legal protections in place, both your personal and business assets could be exposed.

Welcome to the group.As you embark on building and expanding your real estate portfolio, one of the most important steps you can take is establishing a strong, proactive asset protection strategy.Real estate investing offers great potential, but it also carries inherent risks, from lawsuits and liability claims to unforeseen creditor issues.