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Thank you for the reply and I have read the articles again. I'd go for buying in one name.

Thank you, Terry_W. I have gone through the 3 editions of your newsletters. I need read again to understand more and consider. One part I wonder is .... My broker told a similar thing, what is actually different in own by solely and by jointly?

Thank you all, firstly I learned to focus on ownership, not loan. My strategy is buy and long hold - first 1-3 years negative CF,the turns positive CF after. In this case, I probably choose to own by joint name. Of course I will seek advise from accountant.

I need some advise if there are any pros and cons when I have a new investment property loan with my single title or joint title with my wife. My wife is a full-time home duties with no income. I wonder if I have any Tax benefit or something.