If I were in your shoes I would go the direct route and just portion it off in the percentage of how much each person owns towards the property. 

I would sell if I'm in your shoe, I will not hold a property that's just break even.. and with low potential for appreciation.  

If I were in your shoes, I would sell it and use that money to put a downpayment toward your primary residence and rental property.

If you are able to get REPS status, that would help tremendously.

I think to get started, you might not necessarily need to have tons of money, ie sell your truck, but if you can bring the deal to someone who has the money you should be able to negotiate a cut of it and get the ball running from there.I think maybe if I was in your shoes, I'd try to find the lender first, ask them what kind of return they're looking for, and then use that to set up your spreadsheet.

I am in your same shoes, just in 2022.

Hi John,You'll generally see loan minimums from HMLs ranging from 50K-100K.With that said, below are some ways to generate a list of prospective HMLs for your client;1) BiggerPockets --> Network --> Hard Money Lenders --> Filter by state (Indiana)2) Local REIA/meetup events, where you can get referrals from local investors and network with HML reps.3) Google "Hard money lenders Indianapolis, IN" and explore the results.Best,Michael

This is a big misconception that many solar reps still tell people. 

If you can give me some of these answers, I can give you a better answer on what I would do if I were in your shoes.

Also, hanging out on BiggerPockets will help you realize that every single successful investor was once in your shoes.