Not everybody is cut out for college.While you are young and energetic I would suggest both investing and school at the same time.

Give them a deadline to complete the project or cut your losses and find someone else that can complete the project ASAP.Lots of hard choices, but that comes with being an actual investor and not all the rainbows & unicorns that many on this site promote.

Be patient, save more, buy a smaller place, move somewhere more affordable, get other streams of income, house hack, cut your expenses. 

If at all possible, I'd suggest beginning with a house hack because it should cut down your own monthly expenses while you build equity and there are great low down payment programs available for owner-occupied financing.

From my perspective I earn my cut whether that is 50% or whatever is decided by doing those things.

What I have seen most Loan Officers do is split marketing costs, but you can't pay more since that could also be considered a kickback.I have also seen companies have realtor's get licensed as an MLO while they handle most of the transaction for them and pay them a cut since they will be the MLO and Realtor on the loan. 

Seems cut and dry that with limited exceptions JADU can require owner occupancy. 

There are some pine trees in the back yard that may need to be cut down.

AS @Kevin Sobilo pointed out this is very STATE specific.some states is quite clear cut others it utterly complex.

I think it's still cutting it close and now I have to back track and add up all that time, so re-creating a time log.