Scared because your identity and financial state are in his hands. You have the ability to change that, but all kinds of excuses not to.
He is all talk, and you are all talk. How can you be in an exclusive relationship with someone who is not dating you, and why are you discussing the intent to have fun instead of doing something fun? And if he is not inviting you, and then being fun, you have your answer loud and clear.
If you want to wait until the next hurdle, ie, the property thing is settled, fine. Sounds like you think he'll have some kind of breakdown finishing the financial agreement while handling business uncertainty. This is not a flattering picture of him as either a business partner or a potential life partner. In fact, none of what you say here paints him favorably as a potential life partner. I honestly do not know what you are so scared of.
Adinva 51, S20, S18 M24 total 6/15/11-12/1/12 From IDLY to H moving out 9/15/15-3/7/17 From negotiating SA to final D at age 50 5/8/17-now: New relationship with an old friend __ Happiness is a warm puppy.