<prompt> Human: Both my parents recently died. Myself 3 siblings inherited the family houseproperty. Me and one sibling wish to keep the property while two wish to sell or to be bought out. We have a draft contract that states my sibling and I have 2 years to buy the other 2 out or we have to sell the property and split the four ways, minus what is left on the mortgage.The property was appraised at 315,000 and we still owe 180,000. That leaves 135,000 4 33,750 each, or 67,500 I need to buy the two siblings out.I feel the most reasonable option is for me and my sibling to refinance at the end of the option period, but I need two more years of tax returns before Im eligible w our bank, thus the need for at least a two year agreement the other two siblings only wanted a 1-year contract. I also have horrible credit, but do work 50-60 hours a week so my income is steady.My one sibling and I are very weary to sign anything that could potentially lead to the loss of our home, but we understand the others have a right to sell. My question: is this a good, reasonable agreement for all parties? The other two siblings also want 2.5 interest which Im against as I am the one who has moved into the house from out of state to maintain and improve the property value while the rest are married, have families and are already home owners. Now this is my best chance to be a homeowner as well.Also, what are the best ways I can prepare my finances over a two year period to take on a refinance loan that will most likely be 200,000? My other sibling has a very stable career and is financially sound, plus we have two tenants and also use AirBnB to rent out a room, so we hope the bank will look on this favorably. Negotiations are beginning to break down though, claws are coming out and some want to scrap this agreement all together and start over. Any advice from you generous redditors is incredibly appreciated!  <response>: Id be a bit annoyed too if my sibling took over the family house and started renting it out to Tennants and random people on airbnb and didnt want to pay me for my share for 2 years and didnt want to pay interest. We dont have to delve in to it but theres also a question of why your credit is bad. Do your other two siblings trust you? Have you given any reason for them to think you might not be able to act responsibly? I do not mean this in an accusatory way... but I have a sibling who I could see trying a similar thing who has had a house foreclosed and credit ruined because of alcohol abuse. Id not want to ever be involved in a contract of any kind with him. 