Due to Chrissy owning her own business and this business being in existence less than one year she is classified as a dependent when it comes to finance. The business will likely be sold later this year when we move and another business started so her status as a dependent is unlikely to change anytime soon. We are currently searching for a high yield IP so the property is likely to wind up slightly positive or neutral in the short term (thanks for the Residential IP Analysis spreadsheet @Rixter!) From a serviceability perspective are we better off: A) Putting the property in Chrissy's name (any any subsequent high yield property) so she is no longer classed as a dependent once the income reaches a certain level. B) Putting the property in my name (if there is a decent depreciation benefit) which will further boost my income as the primary earner.