This is the next item on my list to be taken care of, is to obtain a CO for the 5th unit.

I had the Idea of refinancing the property into my name somehow maybe with a co-signer if possible.

I may have to get a co signer to cover anything they may not like.I'm really trying to get it so I have the cash accessible and not paying interest when I'm not even using it. but if last resort is doing it your way I may have to do it.

I has a private money lender that was a co-worker who invested the constructions funds and I supplied all of the materials.  

While deal analysis is worth something, the reality is you won’t be on the loan or you need a co-signer since you have no income.

- having a co-signer?

would this be considered a co op ? 

Hi @Michael Sharpe - His 800 credit score is likely only going to come into play if he's a co-borrower or personally guaranteeing the loan. 

Having a church as a co signer would not be enough for me to take on a high risk tenant .sadly Ive seen it a million times .

Under "Insurance" of the Property Management agreement it states that the Owner will maintain a PLI policy that names Management as a co-insured.