If this is the case, and she leaves him, you want her to know that her hard-earned high credit score is in jeopardy if she does not ensure the rent is paid in full.

But she did say any earnings I can use in real estate.

It will be interesting to see what happens to homeowners and investors with adjustable rate mortgages and HELOCS on their properties as those rates rise with inflation over the next cycle.I can remember in the early 80s when mortages were being sold at rates higher than 15% and you could get bank CDs earning 10 and 12 percent interest.  

Second... its been almost 10 years since the last crash, does anyone think that we are at the price peak just before another market decline? 

Also keep in mind a property will appreciate the same amount whether it is 100% equity or 100% leveraged.Investors need to understand first that cash must earn it's keep and second that every income property has two distinct and separate income generating streams.

If we do, it not only lowers our earnings, but it also makes it more difficult to sell, as the new owner will need to raise rent or remove tenants to make the property viable for them.

In other words that is investment income, and you need income with the active, or "earned" income.Since you don't qualify for a Solo 401k you may want to consider self-directed IRA, anyone can do it.

I do have a base salary, but most of my W2 earnings will result from commission/bonuses.

A license for a real estate agent or property manager is for people that earn income/commissions by acting on the behalf of another person to protect and progress their client's interests. 

Trevor McGregor, Joe's Peak Performance Coach, blew our minds with that and so much more,5.