House Hacking with a partner

[Gregory Schwartz]

BP, My wife and I are in the market for a 4 unit house hack. Super pumped to use this amazing tool to jump-start our investing journey. In order to get a conforming, low interest, 30-year arm loan we will need a co-signer (we don't have regular income). I would like to give a percentage of the deal to our co-signer but will likely own this house in our names (to make refinancing into a VA loan down the road easier). So how do I structure the deal so that I can pay my co-signer while keeping my CPA and uncle sam happy? Can I just pay them out of the personal checking account that I use for expenses?

As always thanks for the help.