Basically are the two of us treated as one "individual" with this structure? 

If you're already pricing in a negative cash flow, I would strongly suggest you read what happened to another individual on BP: https://www.biggerpockets.com/forums/48/topics/1204955-almos...

I Would Love To Meet And Build Relationships With Like Minded Individuals.

If she's a salesperson, then its not their choice how much they charge.

But, I believe there are less than 1,000 individuals in this country who can show tax return income of $100,000+ for the past three years from wholesaling.

For newly constructed, purchased or renovated properties and also retroactive generally over the last 10 years, building components are properly classified into individual units of property and accurate recovery periods for computing depreciation deductions.

My property of choice is a duplex!  

NACA could call the loan if they think you didn't make a necessary choice, they do not consider paying off credit cards as okay.Your HELOC lender can also close the line if your FICO goes down or they find out they are in 3rd position.NACA is an amazing product no down, no PMI, low rate, no fees - you sure don't want them to call the loan.

It's been two year hopefully you made a choice back then 2 years ago when the situation is much better.

-asphalt parking/driving(currently dirt with massive pot holes)(awaiting estimate form local company)-Individual metering (previous hotel, 3 different buildings(2 doors, 7 doors, and 6 doors), all on one meter)Any advice or things to consider are appreciated.