This lender is not HML, they're a direct lender offering short term interest only with an option to convert to permanent financing, there is no minimum FICO, they rely on simple documents relying on no income verification.

Have the deal put in escrow with all the documents needed.  

Of course there are some considerations:You need a Qualified Intermediary to assist with the transaction, ensure all documentation is in place, and keep all the money at arms length.

There have been complications in the Lease Option agreements, especially where the Lease and the Option are in a single document - - further complicated when a portion of the rent is accrued  as credit towards the purchase. 

@Donald M. is it possible to amend the documents to allow you to attend the meeting via FaceTime, Skype etc....

Here is Fannie:Permissible Exceptions to Continuity of ObligationAlthough the following refinance transactions do not meet the definition of continuity of obligation, the new refinance transaction will be eligible and not bound by the limited eligibility parameters described below if any of the following are applicable: The borrower on the new refinance transaction was added to title 24 months or more prior to the disbursement date of the new refinance transaction.The lender documents that the borrower acquired the property through an inheritance or was legally awarded the property (for example, divorce, separation, or dissolution of a domestic partnership).

@James StewartSometimes it best to show up in person with documents in hand and then bring your solo 401k provider on the phone for assistance.

The bank won't lend on anything other than a clear title, so I don't think I can close without documentation showing that someone will pay the existing owed monies. 

Please draw up a legal document right now with your friend, while you're still friends, that gives directions about the partnership.

The person’s tax return example here was a 300 page document.