Even if uncomfortable, it's necessary to protect your interests and is fair to ask for copies of credit reports, conduct judgment searches and ask for references. 

As mentioned above all trad accounts come out as income in the future. 

To Peter's credit though, the person I spoke to did disclose it would be about $20k up front.

DSCR loans are the wave :) 30-year fixed, not on credit, and yes, lend to an LLC.

Check out the Neighborhood Assistance Corporation of America (NACA).NACA was formed in 1988 and provides an affordable option for potential first-time buyers:✅ No down payment✅ No closing costs or fees✅ No mortgage insurance✅ No consideration of credit score✅ Below market fixed interest rateThere are several requirements to be eligible, starting with attending one of their workshops.https://www.naca.com

And I would suggest using an accounting software to make things easier.

I didn’t sign because their aggressive desperation for me to sign up was a huge turnoff and ultimately it felt like they wanted my credit card number more than anything else (which I’m sure is the case).

We already have a shared personal bank account.

An accountant would help here, as you can make gifts to family members every year to a certain amount tax-free.Finally, you could simply sign over the dead to your son, if you trust him to pay you back over time.

I have excellent credit, no debt other than mortgages, properties with great cashflow and equity, and i still continuously struggle with lenders.