You mention she is only to be one percent beneficiary, she provides 99.9% of credit risk and income as long as the mortgage is in her name joint with you.

My U/W team required me to lower the LTV on the loan for us to be willing to still lend to the client on his non-warrantable condo.

I'd also take joint title or own a LC that each of you are a member of or have an ownership LLC that you own 100% that takes joint title. 

Or god Forbid you put some equity into the deals.. the idea that you can buy reahab and refi and not have any money in the deal works in very specific markets it simply does not work in most though so you dod the deal and maybe you get 70 or 80% of your cash back if you want to break even or cash flow positive.. if you want all your money back then U take negative cash flow until you refi and rents rise both might happen in a few years.. so temporary negative cash flow.Virtually every investor on the west coast that is paying wholesalers or off MLS etc with all money returned on refi or minimum down will be negative cash flow for a few years.. but then appreciation kicks in and thats were real wealth is created not making 200 a month.

@Anton Ivanov can u give a few details on your criteria for a PM?

@Eric Andrews Raymond, from Real U, is a great source of info...

My spouse could be an employee (form W-2), a parter (form 1065), or we could classify it as a "qualified joint venture" where we file two separate Schedule C's for the same business.  

Back to the point, I am now currently getting my second masters, Master of Finances at U of R. 

Would u recommended me someone?

They start to flake out immediately when u start to ask for things.