conversation: User (lemongrass_chicken): "My sister and I share ownership of our home with an estranged uncle. My sister owns one half, I own a quarter, the uncle owns a quarter. He wants us to buy him out, but in order for us to do that, sister and I must get a mortgage on the house (we currently own it free and clear). \n\nThe complicating factor is this: I'm in a long term relationship, and will be getting married in about 3 or 4 years. My partner and I have long term plans to build our own house, which would of course, require a mortgage. \n\nOur uncle is forcing us to buy him out by threatening to force a sale of the house so that he can get his share. We've stalled him for years because we could never afford to do so, but as he's pressing the issue, we understand that this is the only way to get rid of him. \n\nShe can't afford to carry the burden of the mortgage on her own, and I have no qualms about assuming this debt with her... except for the fact that by doing so, I'll be bringing major debt into my marriage and will be compromising our financial health. \n\nTaking on the mortgage with my sister is set in stone, but my financial contributions to my marriage will be limited. What can I do to ensure I can pull my weight in my marriage? I'm worried that if I'm helping to pay two mortgages I'll be spread too thin and won't have enough money to start a family!  \n\nI guess what I'm asking for really is suggestions for financial plans and strategies to use in my marriage considering I'll be coming into it with such debt."
  Self: "Mortgage in name of person who is going to live there permanently (sister), have them buy out all others. Sign a contract to rent from sister while you still live there so she can make payments. If not feasible you can't actually afford house and should sell."
  