Wells Fargo ultimately turned me down because my specialist was completely clueless in general, and because she failed to accurately relay what I was telling her to her "internal contact" on the phone. 

Quote from @Guillaume Vidallet: Thanks for your response. 

if you allow the use of it I would mention something in your contract that the tenant is responsible to manage a controlled safe fire or something along those lines.  

Is there any legal way to hold them at least partially responsible?

Cheers,André.Thank you for your response.

We provide a fridge and a stove and also supply washer/dryer hookups but not the washer and dryer itself.As far as dishwashers go we only supply them in the better neighborhoods we have properties in where we feel the tenants have more of a likelihood to use them responsibly.

My accountant is showing rental property passive losses to be rolled over to 2018 on my tax docs and I don’t think that is accurate.

I appreciate the response, Roger.

I found them extremely knowledgeable, informative, and responsive.

Structuring the Deal with a PartnerWhile your partner cannot directly participate in the loan, there are ways to structure your arrangement to reflect your 50/50 partnership:Option 1: Post-Purchase Equity SaleYou obtain the 203(k) loan in your name as the owner-occupant.After closing, you sell your partner 50% equity in the property via a quitclaim deed or similar legal instrument.Your partnership agreement would outline each person’s roles, responsibilities, and share of profits.Note: Be mindful of FHA’s rules around title changes and ensure this doesn’t violate loan terms.Option 2: Partnership Contribution AgreementYou both contribute to the down payment and renovation costs as outlined in a partnership agreement.Your partner’s contribution could be recognized as a share of the equity in exchange for funding, services, or property management.The partnership agreement would detail how profits, responsibilities, and equity are split.Option 3: Joint Venture AgreementStructure the deal as a joint venture, where you own the property personally (required for the FHA loan), but profits and roles are split per a formal agreement.Your partner could receive equity-like compensation through profit-sharing without being on the title.3.