<prompt> Human: My gf and I have been together for 5 years. I recently bought a 2BR condo but the only way I can afford the monthly payments is by having a room mate. We had lived together for a while and who would be better as a room mate than my gf.I put 600k down and sunk 100k into re-models. The mortgage is 280k and 1330 a month. HOAs are 250 and property taxes are around 11kyear. I make her pay 1300 which covers property tax, HOA and gives a little more to cover living expenses. This is in line with how much a room would cost with 2 room mates and is less than renting a 1BR and splitting it.She feels a little bit used by me using her money to pay for my mortgagetaxes. What are pros and cons of me giving her a small amount of equity? I am taking the risk of the loan although there is not much as long as I can rent out a room and put the large down payment up front. Should I think about giving her equity and at what rate?  <response>: She feels a little bit used by me using her money to pay for my mortgagetaxes. Thats how rent works. Most people you rent from dont own their property, they have a mortgage. I am taking the risk of the loan Also true.I dont think she has a right to equity if shes not a cosigner. Its a renter-landlord situation, you two just happen to be sleeping together. The financial dynamics dont have to change, unless she wants a truly equal share 140k mortgage responsibility, added to her credit. If thats the case you can always refinance the mortgage with her as a cosigner and give her equity for payments already made, during the refinance signings. 