<prompt> Human: I posted this to rfinancialplanning and was told that I might get more response here. My boyfriend owns the condo we live in. The condo is worth twice what he owes on it. Weve been close friends for 3.5 years but have only been dating for 1.5 of them. We live in a stable housing market. Before we got together he was laid off from a very high paying banking job and ended up unemployed for a while. He doesnt have a degree and eventually had to take a job at less than half pay. During that time he accrued 120k in debt.This past year he tried to refinance to pay off the debt but couldnt get a loan due to his debt to income ratio. Eventually he went through the startup Point which paid off his debt in exchange for a share of ownership in the equity on our condo. The Point loan has a cap on it which effectively means that if we pay it off in the first two years we will pay much less than if we wait. If we wait 10 years we have to sell the condo. We cant pay down the loan. We can can only buy it back in full. After taking this loan my bf lost his job. I am pushing for him to go back to school full-time. Hed like to do so but hes afraid of being a financial burden on me. Im also afraid that if he doesnt find a job and refinance the place in the next two years that we wont be able to refinance in a way that allows us to buy back the Point loan. He and I plan to marry. I read an article which stated that people who wait 2 years to marry tend to stay together longer so I set 2 years as a minimum before we can think about it.With all of that said, his credit has become excellent now that he has no debt and my credit is spotless. I have a high income and no debt. We could easily refinance with both of us combining and buy back the loan. He hasnt asked me to co-sign but I did suggest it as an option. He suggested that hed want to make sure to create legal protections for me if its possible via a contract. I also can afford to pay the mortgage on my own with my current salary. I also know that co-signing on a loan is usually a terrible idea. I wouldnt do it if I didnt think that we eventually would be getting married making the house half mine. So the question is, should I consider cosigning? Is there an alternative to co-signing that could put me on the mortgage itself? If I were to co-sign could my bf offer me the condo as collateral or something similar to limit my risk?  <response>: NO NO NOno 