Is there any legal way in California to form a partnership, one partner qualifies for the loan. Obviously the other has poor credit. And transfers responsibility and ownership to the other partner.
Have him purchase the property and then set up a lease option agreement with him to purchase in 12 months. Then do a lease purchase based on the new equity and value at that time. Ofcourse this doesn’t transfer ownership immediately but it does transfer the responsibility somewhat. Probably not the answer you were seeking. Either way im local here in california if you need additional help…