Typically I would just run it through my name but there are areas of ohio that target out of state owners if its a single family and will send you fines and violations  for every little thing. you also should talk to your attorney and accountant on how it impacts taxes

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However, the loan could still impact her indirectly.

If you co-sign, the loan will consider both your incomes but also both credit scores, so her credit could impact the terms or buying power.

The disparate impact standard is a wrinkle, but I imagine that will end next year. 

Relationship-Based LendingBanks: Normal transactions are always cold-blooded and policy-oriented.Private Money Lenders: Most often work with borrowers to create solutions and value relationships over strict rules.The Bottom LineThe power of private money lending, I think, is a pretty effective alternative for borrowers who need speed, flexibility, and customized solutions—especially in industries like real estate investing.

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This is where a sale may benefit you long-term if you can find an investor to take it before the increased rate and pending rent decreases impact the value of the property further.

I  started keeping an event journal to remind me of issues or unique incidents that impact the income/occupancy of each property, including maintenance block-offs. 

Assuming the insurance premiums don’t significantly impact my cash flow (which is one of my primary goals), how do you assess the risk of taking out a loan under my personal name versus opting for a commercial loan that requires a larger down payment and comes with a higher interest rate?