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.

However, the loan could still impact her indirectly.

Ultimately, these challenges culminated in widespread layoffs at FlipOS, which forced me into involuntary cancel contracts for properties originally earmarked for sale to them.

Also, monitor current mortgage rates, as high rates can significantly impact your monthly payments.Your personal circumstances are also important.

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?

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

It'll feel like you forced it; you'll wish you had that cash back. 

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.

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