Community property laws have nothing to do with your loan, it's your marital interest in the property, if you are not on the note it is not your obligation.

I have leverage because I will get more than that from my half of the marital home.

screen and check everyone that's over 21. period. he makes quite a bit of money. the large debt bill signifies poor spending habits. if all else fails and still concerned..why dont you do month to month or half a year lease?

Agree with all of the above, but one big thing that I have seen dissolve strong partnerships is marital instability.

Some banks and sellers discriminate based on credit score, income, occupation, earnest money, marital status, even friendship.

The second one has marital drama.

Either way, there is a marital interest even if they are not required to be on title and the one on title can certainly finance alone if they quailfy.

is 4 would be 25% equally, all would sign, say one took 40% and the others 20%, they'd all sign with marital interests considered.Say the two wives formed a partnership 50/50, both would sign, the husbands may not need to.

I am not one, nor would I take this as advice, but I live in Texas and had an attorney draft a "Marital Agreement" a few years after being married.

Be ready for a little bit of marital strain but stay focused on the team effort of reaching the goal and you'll get there.