<prompt> Human: First time posting! Long time lurker and PF has helped me get my finances in order. I have managed to pay off all my student loans and am debt free except for a mortgage.I bought a house with my sister as an investment about 10 years ago. Unfortunately the house was not a good investment and is now worth about 100K less than what we paid. Here are the details:Balance on mortgage: 141KInterest rate: 4.99Monthly payment: 892 we have renters in the house and the rental income goes directly to paying off mortgageEstimated value of house if relevant: 118KI have some money saved up now and am wondering whether it would be a good idea to buy out my sister. This is my thought: pay the mortgage down by half about 70K; each month, half of the rental income comes to me about 450; when we sell the house, we divide it by half. My sister would be responsible for the rest of the mortgage.Is this a good idea and I am missing something? Im not looking to do anything unfair to my sister, but I like the idea of being debt free. The alternative is just to stick it in a charles schwab account or something.  <response>: Unless youre off the mortgage, youd still be responsible for the balance if she doesnt pay. And the payment wont go down. 