personally, i dont see it as bad.

Personal Financial Statement If you already have a form with all of this information, that’s great.

However, it does provide a foundational understanding that surpasses what the average person knows about the industry.

Should I be raising rent with the addition of another person on the lease?

You will also need to qualify based on your personal DTI. 

I used a HML for some and he did for others, only in that person's name.

To be honest in our country it’s quite difficult to determine what a pro agents means and to choose a correct an honest person to drive you throw process.Bellow I can give you few tips how to start and what to Watch out:Define your goals for buying a property in Greece, such as a vacation home, investment or permanent residence.

I'll disclose my budget & personal goals via 1:1 messages.

I have a real estate portfolio with good amount of equity (most of the portfolio is free and clear), however my personal DTI ratio is too high and that's stopping me from tapping into it to settle some debts and buy more properties.

Some of your classmates and friends may be more vocal about expressing it or conversely be better at hiding it.