I dont get it.
Why do you choose not to get married?
And at the same time make a major commitment to a major purchase of a house together?
"guys generally don't like the idea of living in a home owned by their significant other, tends to complicate things."
This might be true if the BF has the emotional maturity of an adolescent.
Plus You haven't even seen complicated until you are trying to unravel your life savings from a house co-owned by your ex boyfriend.
This has Fail written all over it.
Sorry. but you are reaching for a house you cannot afford and trying to get creative so you can get it anyway.
Remember Murphy? This deal is inviting Murphy into your lives in a big way.
When things go wrong, and they will. You won't have the resources to handle the problems.
And simple homeowner issues turn into major catastrophes that threaten your investment.