My spouse has no credit

[Nik Parks]

Hey guys!

I couldn't find a forum that answered my question so I thought I'd start a new one.

This is kind of a long term question:

My plan is to buy a multi family home via an FHA loan. I live in New York City so even 3.5% down is a big chunk of change. I'm currently saving up the down payment.

I have excellent credit, a steady monthly income, etc. I shouldn't encounter any problems with the mortgage.

My question is: I'm a newly wed (been married for 6 months). My wife has no credit at all. She has never had a credit card.

What do you think I should do for long term investing.

I'm been reading on BP that the first 4 houses are fairly easy…then you have to get creative with your financing.

Maybe I should put the first four houses in my name alone while my wife gets a credit card and starts building her own credit? After my fourth house, we can start getting houses in her name?

Again, this is a long term buy and hold strategy. I'm not going to over leverage myself too quickly, haha.

Thanks!

P.S. if I missed a forum that covers something like this, any link would be appreciated :)