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1. If 15% of this house is ALL that would prevent you from starting from scratch, then if you split you have big problems anyway.

There is more to it but I didn't mention it in my first post because it was primarily a tax question. 15% is not all. I get 3% more ownership each year. So it would be 18% next year, 21% the year after etc., up to 50% at year 12 (it jumps from 33% in year 11) of the relationship.

2. How and when would you collect on the 15%? Is this spelled out somewhere? How long after a split would you have to wait?

Whether its 15% or greater we drafted up an agreement covering many issues. One was if we broke up I would recieve 1% per month of whatever was owed at the time of break up.

4. In your example she is leaving you due to no fault of yours. What is the situation is reversed. How does she feel about you having the 15% interest in her house even if you are not around.

The draft of the agreement states that if the relationship fails due to me being at fault then I would receive only 2% per year of the equity over $180,000 for each year in the relationship which is substantially less than the 3% per year on the total market value.

Thanks for your reply.
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