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Hello. I am just not aware of any load that will not be dangerous in the event of a miss. Any of them will penetrate sheet rock. Most will become plugged and act as a solid, but these bullets would still have deadly potential.

Probably the loads normally found to be popular with the 38 when not focusing on overpenetration concerns would be so here. Were this my situation, I'd probably go with either
Remington 158-gr. LSWCHP +P, Corbon 110-gr. DPX +P, or Speer's 135-gr. Gold Dot +P. Any of these would certainly punch the wall if a miss occurred, but these seem to be effective against aggressors compared to other 38 Specials and these usually stay within the torso. I just don't see much way to have a bullet that expands and penetrates deeply enough in a human but that
won't punch the building materials mentioned.

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