To the investors out there with wifes, de-factos, partners etc. When you apply for finance or hit a serviceability wall, or maybe even before hitting that wall do you guys apply for the finance in joint names or separately? What is your personal preference? Because i have come across many friends who don't like involving their partners/de-factos/family in their investment ventures at all for one reason or another. For example, in such a scenario that person X has already hit a serviceability wall, and decides to add person Y in his next finance application (wife, brother, sister etc) for the purpose of being able to borrow more money, wouldn't that be a good way of getting around maybe being able to borrow more money or financing that next IP much faster? Specially if your other half or who ever that other person is has a decent income. Your thoughts?