How to get out of a co-sign deal

[Francisco Hernandez]

Hello, my name is Francisco. When I was young out of necessity I co-sign a mortgage with my step dad. Since last year he’s been deported and has been force to stay out for at least 10 years. I also have a 50,000 school loan in forbearance. I’ve made the effort to fix my credit by paying all my collection accounts, credit cards, etc. As of now I don’t owe nothing other than the mortgage I have as a co-sign and the studs loan. My credit score was proximally 640 but recently drop to like 540 claiming that it drop because those accounts have not significantly reduced. I been trying to do real estate investing but those two financial mistakes that I made when I was young are costing me to not be able to do investing I’ve tried alternative options like hard money lending and business loans but ultimately don’t go trough with the process for various reasons. The mortgage payments are being made by my sister who lives in the property and as so far made them on time. One alternative I have considered is selling the house but my mom does not want me to sell, because she claims she wants to have the house when the 10 years are up and my step dad can return. I’ve also considered refinancing the house to get out of the loan and keep my sister as the owner but but her job pays cash and basically there is no record of employment. I am planning on registering the house to the city as the house being currently renting but I am not positive if this will help in me getting a loan that I can use for investing. Can anyone advise me on what routes I can take to clear this out my name? or am I simply thinking about every one else interest but mine?