Questions on rental property title.

[Va Des]

My wife and I are buying one property each (out of state), we decided to take loans out on our individual names. We are confused on what to do with the names on the title. If we add both our names on both the houses, the property taxes and the HOA will be added to both of our DTI for future loan applications. If we keep just one name on the title then, we would have to write a WILL to transfer the house ownership incase one of us dies.

How do couples manage the rental properties? Are there any pros or cons of adding both of us on both the properties (in addition to easier to transfer of ownership on death)?