Opportunity to buy family cottage - question about financing

[Benjamin Singer]

Hey Bigger pockets community,

So my serious GF of some time has gotten the opportunity to buy her family's cottage (New York State) off her mom and Aunt at an excellent price. We've been renovating the house the last 2 years (Since the pandemic) and because of our efforts, we now have this opportunity. I love it out here, and would certainly keep it going. 

Where my question comes is around financing - she operates as a freelance filmmaker, there on taxes show operating losses annually despite making money, for tax advantage reasons. This makes it tricky for her to get a mortgage, which we need for about 200K. She has invoices for her payments in filmmaking, which comes out to about 50K annually. How can she best get the mortgage?

I want to help. and am a w2 worker in tech making 100K annually roughly - I've looked into being the guarantor potentially so she could get approved for the money on my credentials. 

We're in it for the long haul in a relationship, and the value to which we are getting this house is incredible. We half-jokingly discussed getting hitched to help get approval for a mortgage, but I was wondering what some other options are?

Thanks,

Ben