If anyone has any recommendations on how to navigate this it would be greatly appreciated as the payments per month would be substantially different.

The 35% loss you mentioned is a substantial hit to your investment capital.

Hello,I have 2 full time STVR Properties that have substantial home equity ($400k each). 

The fact that your fiancé has substantial debt should not stop YOU from investing in real estate IF1.

I didn't owe anything, but I had sold my car to someone who racked up several thousand in parking fines and then promptly disappeared so they tried to flip the charges back on me as I was the only one left with money to collect.I called an attorney who sent them a cease and desist letter along with a warning that they would be liable for substantial damages if they ever contacted me again (and we would sue if they did).

Saying there are three people living there when only one is on the lease is good to know, but hard to prove; getting video documentation of three people consistently entering/exiting the property substantially alleviates that difficulty.During your due diligence process, you probably obtained a copy of the existing tenant's lease to review.  

For affordable housing, the average construction cost is generally lower than market-rate projects but still substantial due to various factors such as labor, materials, and compliance with affordable housing regulations.Affordable Housing Construction Cost: The cost to build affordable housing in Oregon ranges between $250 and $350 per square foot as of 2024.

The outcome of the N Backer Avenue deal was a substantial profit.

Tenant shall have abandoned or surrendered the Premises if any of the following events occur and if Tenant’s personal belongings have been substantially removed, and Tenant does not appear to be living in the Premises in Agent’s reasonable judgment :Tenant’s move out or notice to vacate date has passed; Tenant is in default for non‐payment of rent for 5 consecutive days; water, gas, electric, or any other service for the Premises connected in Tenant’s name has been terminated or disconnected; Agent is in the process of judicially evicting Tenant for any reason; and Tenant fails to respond for 2 consecutive days to any notice posted on the inside of the main entry door to the Premises stating that Agent considers Tenant to have abandoned. 

Once fully satisfied, the split becomes 50/50.When accessing this deal, here’s what went through my mind:A PMP would have to be okay with holding their funds long-termThe borrower would need to be experienced with doing wraps, as it takes time to get willing and able buyerThe borrower would need experience in pivoting to a different exit strategy should they fail to successfully execute a wrapWith NO EQUITY on the property originally, and the PMP being in second position, the borrower would likely need to cross-collateralize if the PMP has NO INTEREST in taking over the propertyMy conclusion, from looking at this from a thoroughly analytical standpoint, would be only someone who has a moderate to high risk tolerance and cares about cash flow without pulling out and parking their money into numerous deals would likely lend on this.Anyways, thoughts anyone?