Loan qualifications, inheriting large student debt from marriage

[Cory Raizor]

Hello,

I'm looking for some advice on the impact getting married will have on my/our ability to qualify for conventional financing. I'm planning on getting started as a buy and hold investor in the next year - my plan is to start via at least one if not 2 back to back househacks with an FHA loan.

I have a pretty high income and relatively little debt (under 15K combined consumer and student loans) so my debt to income is quite good. However... I'm getting married in several months and my fiance (whom I love dearly) is making only ~$45K/year with nearly $185K in student loans.

Will her debts just wreck our DTI ratio?

I'm a bit confused on if her student loan debt will be included in my qualifications when seeking a mortgage. Only if we file taxes jointly? Only if we get the property in both our names or put the mortgage in both our names? 

Just looking for a general discussion, I understand not everyone is a lawyer or CPA.

Also - before we get into the discussion of tackling loans before investing.. I'm pretty set on at least starting a househack. Doing so I can reduce my housing expenses from the ~$800-$1000/month to as close to free as possible. I then intend to use half of that savings against those loans and half towards a next house hack..