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Having your PPOR isolated in one person's name (who is not on the commercial loan) would be decent asset protection but this involves stamp duty in Queensland. There's just so many variables but if both spouses are required to give guarantees for the commercial loan then you really have limited...

I think this would take a while to sort through with your advisers. A lawyer would be a good one to speak to as developments of this scale would generally require a trust of some sort to distribute profits. Asset protection is not really all that important as you are on the hook from the bank...