That affects your credit for instance.A better way to look at it is voluntarily making the mortgage payment for someone.

Is the credit over 780 for both #2 applicants, or is that an average?

I have no debt aside from the properties and regular monthly credit card debt.

I credit you as an expert marketer and believe that when you post returns and create these graphics at least sometimes people reach out to you for information on how to participate.

Credit!

They may also require US credit history, although there are a handful that will not require a US credit report for an increased rate/ reduction in LTV. 

Their debts would include not just car payments, student loans, and credit card payments but also things like child support paid.

I understand credit enhancements and additional guarantors are sometimes required but to be unable to cover escrow funds and to give away deal ownership for that service is kind of crazy but back to the main point, the real issue is when the Co-GP is not truthful about their true role or embellishes their portfolio/ unit count. 

Also Mike, why is cash out higher with refi, do you mean just with the credit union scenario? 

Private lender will be close to a credit card interest rate for them to finance something like that.