We the unknowing, lead by the incompetent, attempt to accomplish the impossible with nothing but determination.

Boston in particular is a strong market with great appreciation, a great tenant pool, and rents being as insane as they are it's nearly impossible not to pay less when you house hack vs. rent. 

You have to be up front about how the property is being used.Also, remember that umbrella insurance will not do anything for you if the underlying property or vehicle is not insured correctly.  

Better yet, encourage her to make a clean break....perfect time for a fresh start.Also townhomes are rarely a good investment vehicle. 

I have several vehicles and lots of stuff in general and a wife that would not be ok with a duplex.  

There is no shortage of private equity offerings, and the aforementioned vehicles. 

It's next to impossible to accumulate this many hours.

If you decide you need to hold the property it makes refinancing either impossible or expensive. 

If the interest rate is still a barrier, you could explore adjusting your deal structure or negotiating with the seller to see if there is any flexibility on the price or terms to make the deal more attractive for buyers.Overall, while the interest rate may make it more challenging, it’s not impossible to work through.

You were literally fine with what we were doing for you up until you found out the tenant left after closing because you tried to say we knew about it which is impossible as we never had contact with the tenant ever.