Lending options for unrelated partners with no LLC

[Abdul Mohammed]

Hello all - Excuses my ignorance but I would like some advice.

My partner and I are looking soon to talk with lenders for our first investment properties. My partner and I are unrelated and we don't want to form an LLC. Will this be an issue for lending? I know most recommend an LLC for partnership, & we plan on doing that after we get to ten loans in our own names.

Can we jointly apply for a mortgage if we are unrelated/unmarried? I know car loans allow a co-applicant but not sure for REI

Thanks in advance