Does my wife need to be on the tittle?

[Allen Lopez]

So I have 10% for a down payment, my parents are going to give me another 10%, my plan was similar my to buy a house, live in it for a year, and after rent it out.

I recently got married in the state of Florida. The property would also be in Florida.

Since I am putting the down payment, and I wanted the tittle if the house to be under my name.

I heard that I can’t do that. My loan officer said that “in the state of Florida, both you and your wife need to be on the loan, and on the home tittle”. This doesn’t sound right to me.

I understand that she needs to be aware that I am getting a loan and buying a property, which she is. But I don’t think it’s fair that by law I need to put her credit at risk on my investments, or that I need to put her in the tittle if the house.

Worse case: if we get divorced, she will get half of the house which she didn’t pay a dime for.

To me this just doesn’t sound right. Has anybody experienced something like this?