Let's say your wife takes on the debt and goes on to earn a $75,000 median salary that after taxes nets generously to $60,000 (80%).  

1) Be forced to start investing in small deals that will earn me negligible monthly cashflow to gain "experience" in the eyes of commercial lenders2) Continue to sack away capital year after year until I have cash reserves that will allow me to obtain a commercial loanI have heard some people say that they found co-signers on the loan who have high net worth but the last thing I want to do is approach family or friends with this when so many of them are also young professionals with little net worth or are highly leveraged and busy business owners. 

Refinance debt or earn more money and cut spending.

In my guests reviews, they have mentioned this time and again and I think its worth the extra $10/stay.  

Under pro you have literally unlimited earning potential and an almost limitless number of ways to do your business.Under cons you have no safety net. 

If I use the HSA money for non-medical services, it is taxed as if it came from a Traditional IRA (at the earned income rate).Because most of us are going to need some type of long-term care in our final years and LTC is not covered by Medicare, people have to deal with it on their own (which currently costs in the $100K a year range).

I'm working full time as an Assistant Store Manager in retail and looking to earn a promotion within this year.         

I normally avoid studio rentals given type of tenants are different.With that said, even using your numbers, earning about $30k net profit per year on over $725k (over $250k in cash) in investment is not a good deal. 

Thanks for the feedback.okay. what if the married couple doesn't qualify due to credit score and also doesn't make enough to equal 3x rent. and the other person has the credit score but also doesn't earn enough to equal 3x rent.

I think their point is that if you are working as a real estate agent, earning commissions without salary, then they want 2-years of employment history.Whether a partnership will get around that depends on the financial credibility of your partner.