I have several RE agents in my network already, and a couple specialize in CRE. 

This question has been asked here a couple of times but never actually answered, so I'll give it a go. 

Brand new to all of this.

A couple other approaches if you're willing to house-hack a bit.If you're willing to move in and don't own any other property, then you can take advantage of the special 5% down conventional mortgage program.

@Jay Hinrichs I’m 25 work in the steel mill near me make pretty good money and have been saving a couple years I just feel like I’ll be old by the time I could actually afford a big building.

In my area, there are brand new homes down the street from homes built in 1995.

Result: strong rehab projects at reasonable leverage can fetch a bridge loan with the high single digit rate, interest-only payments, and a couple points up front.

It sounds like you care deeply about your SO’s feelings, and I agree – a couple extra bucks isn’t worth losing someone over.

So they get to a couple days before the closing and they find the lien. 

I do have a couple of questions.....Do you run the property through a LLC or just your names?