<prompt> Human: I 27F have been with my BF 31M for about 3 years. We moved in together after less than a year because his roommate situation went bad- it was supposed to be temporary, but we really enjoy living together, so we moved out of my 1br apartment into a bigger space. Were renting a 5br house in Southern CA. We sublet the rooms, and theres a total of 7 of us in the house 2 couples, 3 singles. We love this dynamic, and he wants to buy a house so we can keep this situation going and just pay that rent money towards a mortgage instead of paying a landlord.About me: I would love to own a house some day, but I dont quite know enough about the process to make it happen- Im content leaving it on the back burner, personally. I also work a very intense job, just joined the Union, so Im learning a lot about healthcare benefits and retirement funds and my brain is just filled with all this new info, and I dont really have the time or brain space to deal with house buying. I make 100kyear, my expenses are low, I have zero debt and a good credit score 720ish. I have a bit of a safety net for myself, but not a crazy amount of savings.About him: My BF is extremely knowledgeable about the purchasing process, hes passionate about learning more, and he spends a ton of time researching and planning and trying to make his dream house happen. He does a little of everything on a freelance basis so irregular income with unemployment between jobs. Large student loan debt over 10k with 800 credit score. No savings.How will BF finance this? His uncle is incredibly well-off, and has offered to put up the down payment. He has a repayment plan set up that his uncle is happy with. However, his uncle cannot cosign for the loan because he has several properties and his debt-to-income ratio disqualified him from doing so. My BF came to me to ask if I would be interested in cosigning on this loan with him. My debt-to-income ratio is great, my credit score is good, and BF has been making sure I have an exit strategy in case the situation sours. He said any rent I would pay would secure equity in the house, and if I decided to leave the deal aka relationship, he would pay back any rent I had paid in exchange for my equity percentage.His other option is getting his mom to cosign, which he is also talking to her about. Her salary isnt high enough to qualify her alone, but she and her husband BFs step-dad can do it together.BF and I get along well- were both reasonable and logical people- so I feel confident that neither of us would try to screw the other over. I just worry about locking myself into a situation that I dont fully understand. What are the pros and cons of this arrangement? Does it seem like we have a good exit strategy? Are there other contracts out there that could protect me from damage to my credit score or bank account? Does this financial arrangement of uncles down payment me as cosigner or his mom and step-dad as cosigner seem like a good idea?  <response>: Not married bf doesnt have consistent income, pass. Disaster in the making 