I know with my VA loan it was a joint loan with my wife, so I would think that someone else could be on the loan.

@Jacqueline PelzerWhat you propose as joint ventures between your IRA and yourself is doable, but does create risk exposure.  

They were able to parlay the property into office space and a joint venture research space with a university.  

I'm north miami area looking for joint ventures and also great deals where the numbers make sense.

***Note, I have not been paid in any way by them, just a genuine reference

It would mean he would have to pass up paying (profit) jobs to work on our joint venture.

Great job，may i ask if you jointed a mentoring company when you first started, or did you find partners on your own?

A simple joint venture does not require an LLC, it just needs an agreement.An LLC is a legal entity which can provide (not guarantee) additional liability protection.Cons are that financing is harder to get and all activities will be shared with members of the LLC or per the operating agreement.

The easiest routes are either going to be add her as a joint tenant now or, with some additional expense, going with the family trust.

Who told you that title didn't pass to the surviving spouse, joint tenancy usually does and there is no probate involved in title passing. :)