Biggest hurdle for me right now is that I'm not at accredited investor status yet. 2022 will be the first year that my wife and I meet the joint income requirements.

I have some ideas and could be interested in a joint venture. 

Was the referenced bank account a joint account?

To satisfy the law you will need to open a new account and have it either be a joint account, or a proper escrow account to satisfy MGL. 

Another option may be to have them give you the $100k, put it as a loan on the property then have a joint venture agreement that states what percentage of rent they get and when you sell the property they get a percentage of the profit.

Thus far, we've been investors purchasing our own properties but we have an opportunity in that a family member is open to selling their 30-unit apartment building. It's our largest deal yet and to be able to pay in w...

You can also consider a joint venture to leverage your funds.I’m doing this now.

My first deal I needed 2 Joint Venture partners to get it done (one for capital and one for experience).

Etc.Once you have gone through those initial questions, I would visit a real estate attorney who specializes in entity creation or joint venture agreements with real estate.

In general, there's not really much benefit for the retail investor to create a business entity for the purpose of holding equities or fixed income.However, completely different story if we are talking about estate entities like a living revocable trust, but that gets more into the estate planning side of things.Talk to a qualified tax advisor or estate attorney if you want more details regarding your situation, but if you're just looking to buy some stocks/bonds/ETFs/mutual funds for investment purposes, you're probably just fine using a Transfer on Death account (individual or joint account with benenficiaries).