I live in Chicago, USA. My husband and his friend purchased an investment property with a loan amount of $86,000. My husband is a primary borrower and his friend is a co borrower. My husband and I are planning to buy our own residential house. I was wondering, while taking a loan for our new house, how much will be considered my husband’s existing liability? Will it be entire amount i.e. $86,000 or half of it i.e. $43000?