Ethnic background?

Near-by Canada was important early on, many of the workers came from Eastern and southern Europe, a large portion of them being ethnic Italians, Hungarians and Poles.

Wikipedia has some interesting statistics about Frayser.Wikipedia Frayser, Memphis"Ethnicity statisticsBlack: 2074.2%White: 23.9%Hispanic: 1.2%"

“What I discovered was if you picked an area in town that was desirable and was within transportation and biking distance to work—with a lot of activity in terms of ethnic restaurants and shopping areas—you start attracting a lot more millennials and college kids,” he says.

“Because of widespread racial and ethnic disparities in the US criminal justice system,” HUD’s new guidelines read, “criminal history-based restrictions on access to housing are likely disproportionately to burden African-Americans and Hispanics. . . .

I'm not trying to sound racist, there are lots of social economic dynamics and historical U.S. data that support my beliefs that racial and ethnic minorities are the driving force of growth markets.

In recent years a lot of marketing has been done to the Russian ethnic market in NYC. 

I don't see MKE as "cookie cutter" (usually=north side is simply a big cesspool of violence, drugs and despair, suburban counties are "picture perfect" on the surface but dig deeper and its just a modern day Klan clown rally, BOTH assumptions are trash) I see MKE as a very diverse area where, if you find the right people to do business with, background and ethnicity is not a factor here, simply whether people are decent people or not, you can succeed here.

The partner will need qualifying credit and income, but the key is the other partner will need enough income to factor in your obligations/liabilities as well and still meet that 45-50% DTI threshold so if you have a lot of obligations you'll need a very strong income partner with min qualifying credit.You'll both be required to be on title if this is a conventional loan for the most part.Of course there are other legal and ethnical issues you'll have to hammer out between the parties but hopefully this helps you on the lending end.If by not qualifying you meant you dont have the "credit," (above I assume it was because of income because you did not clarify) then you'll have to gift the funds to the "partner," but since gifts are not allowed on non owner transactions you wont be able to proceed with that strategy, atleast from an ethical way point of view of conventional loans.

Kinda like when someone thinks their ethnicity matters, it just doesn't.If you learn to analyze a deal correctly you'll be ahead of 99% of the other agents out there.