Do all owners need to be on title?

[Armand Farr]

Hi all, here's the situation we're in:

- We have 4 partners with a property under contract

- We plan to refi out, but lenders won't lend to an LLC so we need to take title personally

- But lenders also won't lend to 4 people

So my questions are:

- Can we have 2 people on title and the loan, then a separate agreement that divides ownership across us 4?

- When we distribute cashflows or sell the property, can we distribute the gains appropriately across the 4 owners?

Any other recommendations on how to manage this would be much appreciated.