22 y/o trying to save inherited family home but co-owner can’t qualify for loan — is there ANY way around this?

Hey everyone, I hope you’re all doing well today—I could really use some guidance here. I’m 22 years old, currently working a steady job with strong long-term demand, and I expect to be making around $80K annually within the next couple of years. I live in a house that was inherited after my uncle passed, and it’s held in a trust with two co-owners. One of them lives here with me, while the other does not and wants to be bought out, which I completely understand and agree is fair. The problem is that the co-owner I live with has bad credit, little to no income beyond assistance, and won’t qualify for a HELOC or cash-out refinance. On my end, I have a good credit score but very limited credit history (just one card), but a pretty good amount of savings so I’m not sure how much I’d qualify for right now.

My goal is to stay in this house long-term, help facilitate the buyout, and ultimately take on responsibility to keep the home in the family. I’m fully willing to take on the financial burden over time, even if I’m not quite there yet today. My main questions are: does the remaining owner have to qualify for the loan entirely on their own, or is there any scenario where I can co-borrow, help qualify, or otherwise step in financially even if I’m not currently on the deed? Also, if the co-owner being bought out signs a quitclaim deed, can I be added to the deed immediately afterward and become a co-owner, or does that only happen after financing is completed or if I’m part of the loan?

This situation feels urgent because if we can’t figure something out, the house may have to be sold, which I really want to avoid. I’m trying to understand whether there’s a creative path forward here or if I’m being unrealistic given my age and limited credit history. I’d really appreciate advice from anyone with experience in real estate, lending, inherited property, or trust situations. I’m trying to step up early in life and make a smart move, but I don’t want to make a mistake due to lack of knowledge—any insight would mean a lot.