I agree with Carl, you should remove this post and work with your attorney to obtain legal advice.

@Eddie T. 

Both of these financing can be obtained as long as you have good credit. 

Because I’m unable to obtain an insured title for two years, I did not plan to invest in this property until then for risk of losing my investment.

It would be quite costly converting away from propane and due to high electricity cost i suspect t not warranted.  

Structuring the Deal with a PartnerWhile your partner cannot directly participate in the loan, there are ways to structure your arrangement to reflect your 50/50 partnership:Option 1: Post-Purchase Equity SaleYou obtain the 203(k) loan in your name as the owner-occupant.After closing, you sell your partner 50% equity in the property via a quitclaim deed or similar legal instrument.Your partnership agreement would outline each person’s roles, responsibilities, and share of profits.Note: Be mindful of FHA’s rules around title changes and ensure this doesn’t violate loan terms.Option 2: Partnership Contribution AgreementYou both contribute to the down payment and renovation costs as outlined in a partnership agreement.Your partner’s contribution could be recognized as a share of the equity in exchange for funding, services, or property management.The partnership agreement would detail how profits, responsibilities, and equity are split.Option 3: Joint Venture AgreementStructure the deal as a joint venture, where you own the property personally (required for the FHA loan), but profits and roles are split per a formal agreement.Your partner could receive equity-like compensation through profit-sharing without being on the title.3.

I think a post on unique ways to obtain PML would be beneficial!

It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

Which is t a horrible thing and some wholesalers do great.

Quote from @Vilmor II T.: I am a returnee but I am member since 2020.