Her choice will determine how you will proceed.

I Suggest you consider your housing and car choices and read the debate on is your personal home an asset or liability.

@Ann Keefe you can install a sub meter and that would be your safest bet.

My choice is to focus on cash flow right now.

Nothing big like houses.All in all, you've got to make the best choice for you.

Cash reserves probably wouldn't have made much difference in this case as it was extreme, but when our tenant (who was in the military) was reassigned 6 months into a two year lease, the same month my wife, who was six months pregnant, lost her job, and after three months we were still without a new tenant, the choice was made for us. 

I would give her the "Alternate of Choice" approach and propose two days and times that you are available and ask her which one works for her. 

Success is a process, failure is a choice

Good evening,Being military, my financial institution of choice is of course USAA.

Small local banks and credit unions may be a good choice.