Hi Tonya, Kevin is correct--both serve different purposes but are equally as important.

Joint tenancy means equal ownership, and if one owner passes away, their share automatically goes to the surviving owner(s), giving sole ownership.

Generally how it works is if commission is 100k and 3 people on a team then 50k goes to brokerage, about 27k goes to senior broker,15k goes to middle broker,  then 8k to junior broker.As you can see they have to do a lot of volume to equal what I make in one transaction so they tend not to want to deal with unknown buyers but feel more comfortable working with a broker on the other end.

While your immediate position doesn't change, you now own a property with 200k of currently inaccessible equity.Also with your first one, if you can put down 5% or equally low, occupy it, and do a live-in flip, you may not have to refi; save up for another 5%, do it again, new primary loan, etc. 

It also depends on things like if you're investing in debt or equity (for completely different answers...again more safety equals lower return and more risk equals more potential reward ).

The husband who blocked about filling out his own application, has a credit rating of 660.Are they considered two equals one and 751 credit rating meet the requirement or do I look at both credit rating separately?

If both parties sign, they are both equally responsible.

Not all $300k liquid is created equal. 

We each own real estate and/or assets that have near equal market value.

This equals a large pool of Soldiers coming in and a growing number of retirees staying in the area.