Handing a unsophisticated person a debt heavy portfolio can be a burden and problematic.

That is person A buys a $100k property for $100k cash down, Person A has a $100k capital "risk". 

@Javier FrancoYour questions would indicate you're very new to investing....just the type of person a savvy wholesaler can take advantage of.

Also when you say you got a person approved for a HML - was that Person a business partner in the deal ?

Without the duty to the financing source or the incentive from the financing source, this example of offering or negotiating will not be met.MHI therefore seeks HUD’s concurrence that the following examples do not constitute recommending, referring, or steering a home buyer.Forwarding a completed application to only those financing sources that will consider the home buyer’s application.Forwarding a completed application to a limited scope of lenders.Giving the home buyer a list of available financing sources without recommending any of the sources.MHI seeks HUD’s concurrence that the duty must flow to the financing source and the incentive must come from the financing source and therefore, the following would not qualify as a duty or incentive.The desire to sell a manufactured home.The commission resulting from the sale of a manufactured home.A sales person’s salary.MHI seeks HUD’s guidance on whether the following items are considered incentives or duty to act on behalf of the financing source.A pre-arranged agreement between the retailer or sales person and the financing source with regard to available financing and underwriting guidelines.Compensation or Gain.

Is this person a convicted criminal?

Then, you find one other person to Fund (which could be a person, a retirement fund, a bank, a hard money lender, etc) and you've got the ingredients to a great partnered deal!

Your persona is the same as mine.  

The goals are to reduce liability legally, be able to pool resources when going through underwriting(Person A can claim rental income, and pass underwriting, they may share with Person B, but Person B is not involved directly with this particular transaction.What entity and structure will best meet these goals?  

I’ve had a great experience using direct mail through RESimpli and @Sharad M. as well.