<prompt> Human: My partner abruptly decided to end our long-term relationship last week. We had just bought a house 3 months prior. Both of our names are on the mortgage. She is of limited means, and will have trouble paying her half of the mortgage AND rent at her new place. Heres my situation I can pay the mortgage on my own. It will be VERY tight, but I can pick up extra shifts, Ill make it. Im looking for roommates to offload some of the stress. We live in a west-coast city with out-of-control property values. 10-14 YoY. Thats why we bought. They continue to rise, for now. The APY on the loan is 3.67. The fed is raising rates, and is expected to do so multiple times this year. I CANNOT qualify to take out a mortgage on my own to buy her out. There are NO pieces of property in town that I could afford to buy. Selling now would result in a loss, as Id be responsible for costs of selling. These are the things Im somewhat certain of, but correct me if Im wrong: The bank doesnt care that one person doesnt want to pay anymore. They care about getting paid, otherwise they foreclose. Theres no way to take her name off the mortgage without taking out a second mortgage and buying her out Not an option, see above Neither one of us can force the other to sell the house Because we dont have a tenants-in-common agreement, her interest in the property is 50, regardless of how much she contributes going forwards. The simplest scenario going forward would be renting the house out. Split the maintenance costs, split the proceeds. She is willing to: Pay for 1-2 months of her share of the mortgage Pay for certain improvements same dollar amount as I would that would get the house into rent-able shape Heres what I need help with Is there an agreement that she could sign that would determine equity share post-hoc? If worst comes to worst, are there any legal avenues to making her pay her half? If we were to rent the house, how would our mortgage change? Would it involve a new mortgage? Adjusting the rate?. I know insurance would go up as well...  <response>: Hate to say it, but you need to sell.You dont want to be making 100 of payments, 100 of improvements maintenance, and reaping 50 of any equity gained.Outside of selling, its probably worth a couple hundred for you to talk to a lawyer. Honestly, its probably worth it anyway. 