Even though WE are NOT originating a loan here; it would be the EX-Husband who would be "originating" the Loan (by taking back the Deed of Trust and Note) in order to SELL his 50% interest in the house, the TIE IN is with our BUYING or INVESTING in the purchase of the DOT and Note to generate CASH to him, and CASH OUT to Her is wherethis becomes a "Gray Area" of whether it violates any of the CFPB Consumer Financial Protection Bureaus requirements and could be re-characterized as a high cost LOAN IN DISGUISE ALTERNATIVE THINKING We are thinking a better way to go here IF the EX-Wife agrees; it to SELL the house NOW, pay off the EX- Husband and enter into a 3 year LEASEBACK with the buyer of the home. 

Additionally, we are open to exploring other options beyond selling, so any advice or alternative strategies from those with experience in similar properties would be greatly appreciated.Thank you in advance for any guidance or connections you can provide.Best regards,Matt Ginsberg

If you're not going to drop thousands a month into your own marketing to home sellers, they offer a good alternative strategy.  

Pay for labor only per job and cover the material cost yourself.

Alternatively, do you have equity in the Joshua Tree House?

The image attached is an example calculation I did and I had to push the appreciation to 25% to be able to pull a good amount for the next down payment.With these calculations, it made me realize that I might have to find alternative ways to go from house hack one to house hack two.

Alot depends on material choice and design complexity. 

Rail road ties will be considered hazardous material in many states now .

Keeping your payments artificially low seems great until you need the coverage and there is non because you made a material mis-representation in the contract.

Alternatively, we can pay all cash too.