Entities that are not "disregarded" need their own QBO to ensure their balance sheets remain 100% accurate.We do run into an issue every now and then with some transactions that don't allow us to designate the customer/property but we've found ways to get around this and still have the transaction reflect the appropriate customer/property.This allows us to pull all the financial reports our Clients and their tax pros need to see.I'm in no way saying our way is the end-all-be-all but it works for us and our Clients' tax filers/advisors.There's a FB group called, "Bookkeepers for Real Estate Investors".

Give them an out now and balance the cost of that against them leaving the place wrecked leaving the non-op vehicle.  

You're entering into a phase of the investment journey where you want to strike a balance between proper due diligence and avoiding last minute analysis paralysis.

Then find the perfect balance for your situation. 

As well as Wealth Hacks by yours truly - don't hesitate to DM me for a copy I took the initiative to look up your book that you wrote in 2021 and I totally agree, building wealth is like dieting.

Get a credit card (at 15 you can get one as an authorized user- Google it) and make certain you pay off the balance every month. 

This balances maintaining your current property and expanding your investment portfolio, although it involves higher mortgage payments.Given your goal to minimize your ex’s financial benefit, selling your current home and purchasing a new house hack might be the most straightforward and financially advantageous route.

Ensure major decisions are made jointly.This setup balances the partnership and fairly rewards both contributions.

low cashflow high appreciationNotes purchased in the secondary market at discount to remaining principal balance have the built in capital gain profit with potential for greater ROI thru early payoff or early PARTIAL paydown.  

if so - are you wanting to borrow just  enough to pay off the loan and cover refi costs  or  are you wanting to pull out more funds over and above the loan balance ?