I would hold off on making any final decisions on the divorce until you can determine if you can assume the loan. 

This can help you make informed decisions and maximize your investment.Keep your wife’s concerns in mind and ensure you both feel confident in the path forward.

Hi Eileen, did you make a decision here?

Sorry if info was incorrect. 

I think that easing into it in a hybrid way or waiting a little longer helps you make smarter long term decisions that walk the balance between cashflow and appreciation.

Not all investors share the same goal.If it's strictly positive cash flow, you're going to have a tough time meeting that goal while living in one of the units these days in Belmont Shore.Under the current economic decisions, if you're going to live in one of the units, a more realistic goal might be to subsidize your mortgage with the other two incomes to bring your mortgage payment down, build equity, ride the market appreciation, force some appreciation of your own, refinance when rates are in your favor to crush the mortgage payment down, and keep positive cash flow for a long-term goal.Belmont Shore is a nice area where homes hold their value well and enjoy good appreciation as well as strong rents and in general, the type of renters landlords are looking for.Belmont Shore is also a good area for short-term rentals and you may want to consider renting one unit as an LTR and the other as an STR.Ultimately, your situation is going to dictate whether this triplex is a good investment for you and your husband but as a Long Beach resident, I know that Belmont Shore is an area that people aspire to buy a home in.

To be clear - what your realtor told you is incorrect.

You would benefit to consult with a corporate attorney and CPA in your area before making a decision and to come up with your plan.

one thing to add though, whatever decision that you do make sure you execute it after the debt ceiling is over.

I'm aiming to make a well-informed decision that not only benefits me as an investor but also contributes positively to the community and provides value to local students.