The borrower must also:Provide satisfactory evidence of the increase in dependents and the property’s failure to meet the family’s needs.Pay down the outstanding mortgage balance on the present property to a 75% or less loan to value ratio, exclusive of any financed mortgage insurance premium.Vacating a jointly owned property: If the borrower is vacating a residence that will remain occupied by a co-borrower, the borrower is permitted to obtain another owner occupied mortgage.

Background: 28, engaged, $150kish in joint gross income, and bought a home 3 years ago utilizing Indiana's down payment assistance program.

They are jointly and severally liable for the lease.

I was wondering if you guys know ADU companies in the bay area who are willing to go into a joint venture with the homeowner.

Turned out my wife help manage her mom's affairs, had a joint account of over $100K opened for over 10 years.

I have never been in Galveston before, but to answer your question, In Texas, Struck-off properties did not receive a bid at the tax sale and are jointly owned by the taxing entities and may be offered for resale at a future date. 

Are there any likely ways to invest money with a person or two, as a joint venture, where I can learn how they do what they do, and maybe put up a bit more money than them but split the profits?

Outside of buying a property by yourself, you can explore avenues such as syndications, funds, and joint venture partnerships.

Hey @Jared Anderson, here's the best way I know to impress an experienced investor...... bring them an actual, well-analyzed, profitable deal and then request to joint-venture with them to take it down!

. - If you sell your home, and have a capital gain, provided it was your primary residence for two of the last five years (I think I have this rule correct) then you can dodge any capital gains up to $250k if single and $500k if filing jointly.