Obtaining valid ID and proof of income isn’t hard; for buyer prospects, swap proof of income for a pre-approval letter and/or proof of funds.

They have to collect the data, confirm the data, then publish the data for the public.

Reach out to the Marcus & Millichap offices in Columbus/Cleveland and have one of the MMCC commercial mortgage brokers produce a few quotes for you.If you don't have the time to research contact info / programs for 25-50 different lenders and make the calls/emails necessary to obtain optimal financing, hire a broker.

Hard money, which is most commonly from an institutional lender (either a broker with a white label setup or a lending firm), is generally available, but you will need to meet experience requirements to obtain funding from these kinds of lenders.

I assume the sellers are offering seller financing since obtaining a traditional mortgage or refinancing to one after 7 years for this property is highly unlikely.

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

Your best bet is to read information from public blogs that approach both options objectively.

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.

As a "retired" public accountant and tax consultant I perform a lot of detailed ROI analysis for my clients. 

Hey Violet, to obtain additional corporate credit, are you working with a specific company or are you reaching out the typical credit card vendors?