@Bob Floss II RE ownership in an IRA or Solo 401k need not be delayed because of lack of funds.Another Partner/s capital can be used to purchase a property titled as joint tenants in common.

Had to remind again and finally sent the payment via Zelle (ACH does not work for her) on 20th.

Happy Friday BP,This post is for information, and I will post a link direct from the source for you to view.So, effective March 7th (All loans submitted after this date) Freddie cash out loans will require 12 months seasoning with some exceptions (I will post a link so that you can read up on it) like if you inherit the home or you're buying someone out if you have owned the home jointly for at least 12 months.

You can apply as an individual or jointly. 

My tax advisor says it could be a tax advantage if we file jointly this year (he will run the numbers).

If the roomates are responsible "jointly and severally" you can simply start the regular process for late rent payment, notifying them they are late, have so many days to correct before action is taken against ALL of them.

Is this joint tenancy or tenants-in-common? 

Her employer will take out taxes but if we are married filing joint, would 2 be a safe number to put? 

I am a millennial and am used to opening bank accounts with ACH deposits.

It does not apply to jointly owned assets.