We’re based in Colorado, and hot tubs typically add around $10K in annual revenue.

For the lease, can you list the girlfriend as an occupant rather than a co-tenant since she won’t be a financially responsible party?

I co-owned a franchise for 15 years, we paid over $1.3 million in rent.

I used a Colorado state-approved contract.

I do know Walter and have known him for more than 25 years, he is upstanding and he is smarter than the average bear, he's in the deal to help people and I have learned an immense amount from him I am now 67 years old and I bought my very first home by having my parents cosign!

While I have a fantastic rate, the co-owner's giving me the option to refinance or he'll force a sale.

There are pot holes at every step form entitlement to permitting to the vertical and getting CO. 

I also own a short-term rental co-hosting company.

Not sure if they do Colorado.

Its similar to being a cosigner.