Plus, if they break up during the lease term and one leaves the house, the other one wouldn't be able to pay rent on his/her own. 2.

I've heard that by refinancing on a home, one could end up keeping the equity of the home. Maybe I'm wording of wrong.On other words if I bought the home for let's say $100,000 and now the home is worth $140,000.If I ...

Repairs don't happen every month but the all seem to break in the same month.

Hopefully there's no deferred maintenance, or any surprises: you or your PM were on top of their game in fixing things that broke, and the tenant was honest about anything that did break. 

I've decided that I'm going to say no to the loan and just have to break it to them as easily as I can. 

I've seen first hand more than enough times couples breaking up and having to move, so I think your Girlfriend is smart to want to have the formalities in place.Since you are just starting out you might want to consider purchasing right now just as is, then having your attorney walk you through the proper way to take title of the property and form the partnership as soon as you close. 

You can acually break dow  that info by neighbourhood with realtor stats combined with your government stats.

As a first post I suppose a broad description of my goals is appropriate-My wife and I are looking to break into the rental property market at a fast pace.

I have a theory, (it's just a theory) that their pricing model breaks as it goes below 50k or so.

You can easily break the law and get in trouble.