You sound like the brave side of the coin in that you did due diligence and respected the process.  

Do you have specific numbers to share with the forum, particularly with respect to your in-laws house?

Eliminate debt, establish a budget, and save.

If, a year from now, you have an extra $20k piled up because you have been serious about this, it established a bit of a track record and proves that you are a doer and not just a dreamer.I would also express gratitude that you have a partner that is so cautious.

You are a beast my friend, respect.

I truly appreciate & respect that.

However, in private financing it is customary for the borrower to foot those costs.You can find each institution's registered account and arm's-length mortgage guidelines, and fees on their respective websites.

We respect and trust him, and that is priceless to us.

I'm specifically referring to PadSplit, a rent-by-the-room company/platform that operates in those respective areas.

Johnny and the team he has hired have done a greatjob establishing a culture of teaming up with their investors.