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I offered her a buy in back at the original home's cost before improvements. She's not interested in owning the house, or putting money towards the house.
Hold up. You offered to have her give you half of what you paid for the house that is now worth 40% less as a buy in?
If she refused it, she's obviously not as financially illiterate as you claim. That's a bad deal. Very.
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Oh my. Two years into marriage. How old are you? I'm getting the feeling you're like 60 and she is seeing you as a sugar daddy not a husband. Does she have a boyfriend?
What if you sell your house, take the cash (since you have no mortgage) and put that down on another house that you both agree on. SHE can pay the mortgage for the additional money needed with that $1,500 a month she is saving by not paying rent. You are both contributing to the purchase, you aren't spending more than you have in cash, she can live where she is happier. You are both then building equity.
Now, if your marriage is not going to work out, you don't want to get into that financial entanglement, so figure out what you and she REALLY want from your marriage, or if you even want one. If you do, this isn't an insurmountable problem. If you folks don't want to stay married, then all this house drama is just a distraction from your real problems.
I explained to him that he was using the term underwater improperly in the 6th post of the thread, yet he continued to do it, particularly odd since he claims to be some finance professional. But I don't think he is BSing, I think he is just a sad case, mostly because of his health problems (not her fault), that she is the only woman that would have him, and this is more a marriage of convenience than it is of love.
eta: I reread his posts, I did not see that he ever mentioned that the house had been flood/water damaged. I think someone misinterpreted what he said about the house being underwater.
See post #25
" Since there was a flood due to the hurricane, it was recently assessed. I'm about 300k under what I paid for it (give or take a few)."
I offered her a buy in back at the original home's cost before improvements. She's not interested in owning the house, or putting money towards the house.
I get the feeling this is just about money with you. How far is her work commute? Have you thought about her at all or just yourself?
So her primary complaint is that she doesn't like being stuck in the middle of no where and having to drive when she used to walk everywhere? But now she has a free place to live with a man who pays all of the bills and apparently asks for little in return?
I think you should get a new wife, not a new house.
I do not go through her bills. From what she tells me its the lease, car insurance, fuel, tolls, food, cell, part health insurance, cable, telephone. Plus, when we go out, we switch off on who pays. I do try to cook at home, but I can only do this so often per week.
What about the money she used to pay rent with? Where is that going? You need to ask her. If she wants to move, she would need to help make it happen, by coming up with half the mortgage money, more or less. She doesn't seem willing to contribute to that, which is a red flag. She seems to expect you to provide everything.
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