How does marriage impact loan qualifications?

[Jimmy H.]

Got married mid-2012.

I've been buying foreclosures on the cheap, renovating them, renting them out, and then getting cash-out mortgages on them based upon my assets, credit, salary etc.

I'm curious as to whether I should file jointly or separately. I'm not interested in tax advice here (nor marriage advice, LOL), rather I am solely interested in the potential consequences of each alternative when seeking financing going forth.

I already know that for my situation, filing jointly would most lower my tax burden, but I am more concerned about my ability to continue my strategy of "flipping" by using cash-out mortgages to keep properties instead of selling them.

I posed this question to my lender but didn't get a great answer, so I thought I'd post here to see what your real world experiences have been concerning what obtaining a mortgage is like pre and post marriage and whether different filing options have a material impact when applying for mortgages.