Despite paying fees, doing a deal and making some profit is better than sitting on the sidelines. 

I can't really afford to pay two mortgages.

If that person were to get hurt somehow and then expect you to pay the medical bills or become disgruntled in some way it is just a phone call to DOR, OSHA or L&I. 

Refinance and pay the downpayment.

An example of one package we have is a Romantic Package - $199. 12 Balloons (buy the helium tanks and keep balloons on site for your team or use a local shop)Rose Petal Entry Way (bought off Amazon)2 Dozen Roses (local grocery store for $10-15 each dozen)Led Candle Display (bought off amazon and reusable)I Heart U Signs (amazon and reusable)Champagne (or wine if they want)This equals around $60-70 each time and we pay our cleaner $40 to set up.

On a 320k property Ill be paying 9k annually. 

I hope you don’t have friction with your partner because the money got ahead of the work.I’ve had some success hiring workers for the day at the prices the gcs pay them $100-200 but have had my fair share of misses here too.

Or they have it figured out and are going to cure via paying or modification etc etc. 

If you want the "best" rate, be prepared to pay for it.

You will pay for the higher risk with higher rates and origination fees but if the deal makes sense then congrats.