That doesn't mean that buying now isn't worth it however--a long term investor can still "marry the property, but not the rate" and refinance later if rates come down as many expect.

So if you are a 1st time investor and you have any unpaid liens or judgements, this would attach to the property and if you're married, the property could become a part of the martial estate.

My wife and I have used an accountant since we married. 

He is married with a two year-old daughter.

I've never done that as my husband and I both had a few things when we got married and as you move into bigger homes you usually bring at least a few things with you, like mattresses.

US government pays for your house and the gains $250,000 single or $500,000 married.  

If you have, then you're exempt up to $250k if you file single or married filing separately. 

Ashish Acharya Agree, provide you are married filing joint with your spouse.

If you are married, does your partner have a full-time W-2 job?

And no worries about girlfriends getting in on this action, my dating life is awesome and I have no plans to marry any of the women I'm dating.