How would you structure leases if spouses acquiring rental properties individually?

[Daniel B.]

Hello everyone, thanks in advance for the replies!

My wife and I are purchasing rental properties in our individual names in an attempt to be able to buy more down the road. (We dont want mortgages/insurance/taxes to hurt both of our debt ratios and would like to one day get to 10 mortgages each). Would you put the leases in our joint names or only in the name of who owns that property?
We put the rent checks in a joint bank account and have an umbrella policy to cover the properties. Does putting leases in our joint names increase liability for us by allowing a tenant sue both of us (risking all of our assets) instead of only the half in that spouses name?

Also, does anyone know if leases are in joint name can, for example, my wife use that lease as income to qualify for a new mortgage if that property is in my sole name?

Thanks again!