1)It's hard to do cahs-out if you have more than 4 financed properties.
2)Even if you are not on the primary home loan, the lender will still use the debts on the primary home as your debt when you financed the rental properties.
3)Based 1) & 2), it's hard to get cash-out if couple have more than 4 properties together; and it's better to have both name on the loans in the future.
Eric Fang Mortgage Blog
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