How to Prevent a family member to get a cash-out refi

[Eladio P.]

i am getting my mothers credit in shape to make her buy a home with a FHA loan and will help her with closing cost and other fees. She is tired of renting her whole life and her dream is her own house. My plan is to get her a 3 family owner occupied with FHA. Her husband is a snake scumbag that lives paying debt with debt and always has a "great idea" with money which has cost them everything time and time again.

How can i prevent him from making her take a cash-out refinance, HELOC etc? she has no personality to say no to him. i plan on getting her a good deal to cash flow and equity, later refinance to keep on making her a small portfolio for retirement. How can i go about preventing him from taking everything south ? should i include myself as a joint borrower?

thanks everyone !