Is it my money or others peoples money? bet with Husband

[Patricia Becker]

ok, so I am in a bit of a fun argument with my stubborn husband I need your help to win this one!!

so we have bought, rehabbed, rented, and now refinanced a property (it's been a year-long BRRRR but whatever).

so we are currently cash flowing a bit over 900 on the property with the refinance we will only be cash flowing about 350 after PITI on the debt and PM fees. So my question is who is paying this debt (PITI) without telling you who's is who's, select one of the below to see who wins this argument.

Spouse A: Thinks it is our money that is paying the debt (mortgage) since we are just sending the cash flow from the rent to the PITI and not to us as investors

Spouse B: Thinks it is other people's (Tenant) money that is paying the Debt (Mortgage) understanding we are losing cash flow but that is just a hit on our income to access more of our money (the cash out for the refi) in which the debt is being paid by the tenant (other ppl) 

[Patricia Becker]

@Tony Kim @Rodney Sums @Sylvia B. @Jesse Whitmore @Dwayne Poster @Jill F.

Thank you all for your fun arguments for this debate.... so the winner apparently is Spouse A (The Husband, looks like I have to add a point to the XY chromosome group on our tally board) and it looks like I owe him yet another foot massage, Maybe if I buy him a good cigar I will get out of it...lol.

on the other hand, I have to listen to more of Mr. Green and Mr. Turner, to really understand how to leverage "other ppl's money" I guess that only comes into play when you are putting the 20% down and leveraging the rest... but then again paying that debt is still my money.... so at this point I am a bit confused at "other ppl's money" it seems that eventually, it all comes down to you and your money to pay the debt.  

this was an enjoyable thread, thank you all.