Background: I'm a 38 year old sales professional with 2 kids and a paid off my house. Business Management degree from University of Kansas. I'm interested in finding and purchasing a business that can benefit from a new sales strategy or team. My wife (understandably) is not onboard with putting our house up as collateral (personal guarantee /SBA). I currently have about $150k to invest upfront. Would like a business in the $350-700K SDE range. Not willing to relocate, Not particular interested in a search fund.

Question 1 : How best can I accomplish this goal and buy a business without a personal guarantee? Is there any banks recommend? Am I restricted to seller finance only?

Question 2 : Any courses would recommend for someone just starting? Best books?