I know town inspections and getting CO can be a headache with a lot of petty repairs (and you can't negotiate with the town for a CO).

Hi Biggerpockets Team,I hate writing, hearing or reading about anything like this subject but my Licensed contractor abandoned my project.This guy was a referral from a co worker (her husband) and my due diligence showed nothing negative.He has stopped all communications with me and I am starting to unravel everything and get moving to finalize my project as an owner builder and I am finding that he did not do a lot of things. 

Hi Biggerpockets Team,I hate writing, hearing or reading about anything like this subject but my Licensed contractor abandoned my project.This guy was a referral from a co worker (her husband) and my due diligence showed nothing negative.He has stopped all communications with me and I am starting to unravel everything and get moving to finalize my project as an owner builder and I am finding that he did not do a lot of things. 

This is not a co-mingled tenancy by gender situation.  

Initial tenants were all students, so I used a co-signer agreement for parents to protect against non-payment.

I've been throwing cash at my debt for 2 years so I have 50k in credit available to me, but it seems I should have putting that cash aside all that time instead.One way to get around it is to add a co-owner to my llc which I could do but then we both have to file federal taxes on it right?

A couple weeks ago, I spent an hour on the phone with a lawyer trying to explain to him how he could use the FHA to get a CO for his client, who built a second house on his property without a permit. 

If you can't qualify for conventional due to credit now, you'll want to either figure out a lender (likely local) that is fine with your credit, bringing on a co-borrower, or considering long-term hard money options.

Since I don't have the cash and neither does she, if we can find the right property that meets all requirements for a good BRRRR deal, I'd like to have her use the FHA 203k loan with me as a co-borrower.

Or is being a co-ower of the building enough?