Would you be more likely to invest in an equity investment than debt?  

But I am going to assume for the sake of argument you are a super stud and found a deal that cashflows 2k per year, and you have about 2k in debt pay down.  

She has no debt whatsoever and good credit.

@Bernie HuckesteinHere are some items to be aware of when incorporating debt financing.1.

My wife and I have 0 debt so its a little scary doing this but a year will be here and gone before we know it so after all is said and done we will have 2 solid duplex's plus the JV deal that will provide about $1850 positive cash flow.

Purchase Price: $146,950Sales Price: $215,000Mortgage Debt: $107,000Borrow: ~$108,000I was told that we need to record the borrowed amount with the sale.

How do lenders view vacancies when calculating debt service coverage ratios?

I am a newbie and yet to make a deal.I want them to sign the property over to me and in return, I will settle all debt with the property and help them get into another place.

It will show debts credit history ect. 

In my view the debt markets are now more constrained due to bank regulation.