I have also considered as another option, refinancing the property with a friend who has a W2 but that complicates the ownership of the asset.

Its much more nuanced and complicated that just hiring a title company and a contractor to fix a house. 

I don't consider myself a property investor, and as a busy new mom can't find the time to educate myself as much as I know I should about this complicated topic.We bought our condo in 2016 about a year before we (unexpectedly) moved overseas so it was not intended to be a rental or investment property for us.

It can be as simple or as complicated as you want it to be. 

., if the building is multiple stories (elevator), construction technique (fire suppression) etc.  

This is the second time I've had roommate issues effect the term of a lease & am finding that leasing to roommates can be complicated. 

Lastly financing STVR are also more complicated .. we have some programs that you can finance  with,,  but there are few and far between..

One complicating factor is that we all plan to contribute different percentages of the down payment; we are thinking through how to account for that in the agreement (for example, the person contributing the least upfront may take on a greater share of the mortgage payments for a period of time, etc.). 

Don't make this more complicated than it needs to be. 

He has spoken to multiple mortage lenders who basically finds this too complicated to figure out.