Quote from @Kristin Solbach: Quote from @JD Martin: What are you concerned with protecting? 

I am concerned that the closing statement would not record the actual price I am paying for the property.

@Ryan Leake please address material participation as it relates to being a co - project manager throughout the construction of a new STVR.

If you had concerns about the asset if and when you pass away and would like to avoid probate, a Revocable Living Trust that owns the LLC that acts as a Holding Company is a good option.

In the end a credit score based on a sufficient credit history tells you the risk of default which is what you should actually be concerned about.

I was concerned at first.

Take that year to gain some financial literacy and find out what types of investments you're comfortable with, and find the right people to help you invest it.BUT, if you have piles of debt that you can't keep up with, don't wait a year to address those...

If they can't do a money transfer directly to your bank, have them send a certified cheque using registered mail and signature required (they could send it to your work if you don't want to use your home address). 

Will they be prepared to address retirements and disposition?

If you want me to give you a quote, I'd need to know the address, 1st lien details (type of loan, balance, interest rate), credit score, income/DTI details, and target LTV (can go up to 80% CLTV on the 4plex).