As mentioned above, she is also half owner, and has the same rights to the property as you do.

I'd hate to think what I have built up someone else owned half of.

Using a VA loan usually got me a half percent lower than on my loan that most people I know. 

@Dave SpoonerNot sure where you’re at but for a second home/vacation home (atleast 100 miles from primary residence) it’s 10% down

A lot of owners are owning STR in their portfolio and living hundreds if not thousands of miles away.

Almost half my rentals were primary’s first and I still own them 10 years later.

Hearing that all the half decent ones will be this busy.

Do you think vacationers would view a SFH that does not have beach access or a SFH that is located a mile from a beach as a negative versus a condo that is right on the beach?

Only about half would write the policy with a pool. 

A primary residence is where your mail is delivered, where you have utility bills in your name mailed to that address, where your driver's license says you live, where your w-2 and IRS etc. are filed.A second home is a part time owner occupant and is usually 100 miles away and in a resort area.Four units in another state while you own single family where wife lives is not owner occupied.