@Brandon StainesOption 1: do nothing you stay on mortgage and good is you still own 50% of house but bad is if she defaults then it hurts your credit tooOption 2: have her buy you out but that would require a new mortgage at a much higher rateNot much else you can do.

Saw value where no one else did everyone was perplexed why I wanted to buy a swamp.

Something else to consider is that once these properties are paid off, you could cross collateralize to purchase additional properties that fit your buy box so that you may not need to bring cash to the table for a down payment.

But you have your health and your family....you can replace everything else.

Saw value where no one else did.

You may choose to invest in real estate directly by acquiring a property, or passively by investing through a syndication (or by being a lender to someone else.  2) pencil out the numbers to see if the math is in your favor for a Roth Conversion and real estate investment with a SDIRA.

While it is a goal for us to own investments in the market we currently live in (a growing market but expensive right now), maybe right now it makes more sense to look elsewhere for more cash flow.Or something else?

@Bracken Bjorn The answer is in the local data...and the data might look differently to you than someone else...it's really about your goals, tolerance for risk, available resources, and personal preference...

Felt like I was speaking with a virtual assistant backed by AI.He estimated my re-roof would be half the size at double the rate quotes I got from everybody else... truly amateur hour for somebody that claimed to have done hundreds of these.I also was never able to find more than 5 property records tied to his name or to related LLCs.

Maybe in Jersey but nowhere else (I'm being somewhat sarcastic about Jersey).