He definitely has equity in the house.Or would they not allow a CO-Refi because of his credit?

Bringing in a co-signer/guarantor?

If that be the issue I could get a co-signer.

My sister is a stay-at-home mother and is open to being what it looks like most are calling a "co-host". 

Separately, I'm looking at a co-op in the Fort Greene market, it's appreciated a lot over the last few years - but wondering if there is room for more, or if 2% a year in my model is too conservative

Don't screw over your co-signer, as they will be just as reliable if a payment is missed hahaPart of me doesn't want to wait for 2 years of work and then get a home, right now I'm so focused  on financial freedom, one thing going for me is my credit (721) and I know the importance of just getting into that one home, a co-signer was a thought I had last night while reading the book but I also see that I need to me smart and educated before I do so since I could end up hurting my self and others and vice-versa if not done right.

As a co-signer?

The situation I encounter is nobody wants to share a 2-bedroom place with a co-worker. 

Would banks lend to you or did you require a co-signer on your loan?

Items like Cap Ex or the need to clear a CO at purchase, we factor in directly to the offer price and what we think is fair deal.