My stbxw and I are coming down to terms. Option 1, divorce, sell the house, split the profit, I get a rental, pay off my student loans, or save the money for a dp on new house. She goes to live with her parents.

Option 2, separate, take equity out of the house, buy a new house for me to move into, agree to sharing/splitting property, she gets property #1 and I get property #2, rent out house #1, but remain joint to keep interest rate at 2.5%, and cosign together for new home for me. At some point in the future we would split the property.

She wants to keep the house bc she wants investment for future, or living space for future and I would rather put money into a mortgage than a rental.

I want option 2 as it is better financially for future, Waiting to see if she will agree to these terms.