Marriage has a legal means of dissolving and splitting assets & liabilities, called divorce.Since you are not married, you have no legal means of dissolving your relationship other than an ugly court battle.Suggest you two have a Partnership Agreement drawn up and executed, to cover how any joint assets and liabilities will be split.BTW: sooooo many people don't think they have to worry about this.

A partnership is a marriage, if it breaks up, it is rarely amicably, and there is always pain, whether it be emotional, psychological, and/or financial.That being said, you need to talk to an attorney to create a well structured partnership agreement.  

I was a realtor 20 years ago and got out trying to salvage a marriage that wasnt salvageable.

Use the time between now and 2 years from now (your marriage) to either get smarter on your market or to pull the trigger on a deal. 

This is what we ended up with #marriage Current Market rents are $1850 for the area.

Like marriage  partnerships fail when one of you is unnecessary.What value will be brought to this from the other? 

The other, marriage-related with my wife).Anyways, I think I have pretty strong "Whys". 

Seller concessions - Assuming the appraisal will support a higher purchase price, you can offer more and have them give you seller credits towards the closing costs.Gift funds - a relative, defined as the borrower’s spouse, child, or other dependent, or by any other individual who is related to the borrower by blood, marriage, adoption, or legal guardianship. 

Lower rent somewhere else, job change, marriage, taking a job on a cruise ship (they live on the boats) (???)

It is like marriage.