Next Step: With with sparkies quote, I'd get that quote over to sellers and with an amendment all written up ready for there signing giving me a credit at closing for exactly that amount. 

My credit was pulled twice (currently sitting at a 700+ according to Experian) but I don't know if this would affect my score or anything when it come to actually choosing a property and locking in a rate.

It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card. 

Unfortunately, there are so many concerns regarding internet safety issues.

I have over 30k coming in very soon and working on credit score.

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

5C's of credit are a good framework to understand the fundamentals.

Also, credit score minimums are higher- often requiring a middle mortgage FICO score of 720 and above.

Rate will also be in the high 9s depending on PPP and credit.

A partnership requires three things to be successful - Experience, Capital and Time.It looks like you have the capital and experience but maybe not the time.I have my doubts about this working if you have a friend who has weak credit and a limited cash flow.