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Azazel that is impossible to answer because no one knows the answer. You can only work it out in hindsight. If you knew that you were going to buy a property for $500k, and sell it in 5 years time for $1m, and you knew that in 5 years that none of you would be working so you get the lowest CGT...

Yeah both splits.

Well there's a two edged sword. Buying in the high income person's name (assuming they stay high income) means better negative gearing benefits because the marginal tax rate is higher. If you buy in the low income person's name (assuming they stay low) then you will get a lower CGT bill when/if...

Different criteria yes (in terms of how they assess the loan) but the end loan product is the same. After you settle you can do whatever you want in terms of living in / renting out the property. Bank doesn't care one iota as long as you pay the interest.