Try to be as thorough as possible in your documentation as this will also be a lifesaver come year end. 

Without a copy there is no documentation for the terms of the loan.

If I partner up and go down on the loan will we be denied because of my insufficient (W2) income and short amount of credit history?

I also don’t have a long history of credit which could be a factor but than again I have no debt so not sure why but i am shopping around. 

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So I would first concentrate on being able to document the transactions you've already done and present them to a partner. 

I’ll save the giant sob story of my financial downfall for the last four years, and I’ll jump right into my issue.My credit is absolutely horrible, as well as my mortgage payment history for the last two years.

✓Requirements for a Delayed Financing ExceptionThe original purchase transaction was an arms-length transaction.For this refinance transaction, the borrower(s) must meet Fannie Mae’s borrower eligibility requirements as described in B2-2-01, General Borrower Eligibility RequirementsThe borrower(s) may have initially purchased the property as one of the following:a natural person;an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust;an eligible land trust when the borrower is the beneficiary of the land trust; oran LLC or partnership in which the borrower(s) have an individual or joint ownership of 100%.The original purchase transaction is documented by a settlement statement, which confirms that no mortgage financing was used to obtain the subject property.

The tenant also needs to sign a document stating the unauthorized occupant is NOT a tenant, and must vacate if the tenant vacates.

I would try your local bank first if you have positive history with them.