Woman Wants To Temporarily Live In A House She Co-Owns With Her Ex-Partner, He Says It's Bad For His Mental Health

"I'm simply staying for a few months in a house I already own, and it's my right to do so."

Maryjane

• Published in Interesting
• April 4, 2023

All borrowers are listed on the title when owning a home jointly with one or more other individuals. Each co-buyer is typically also named on the mortgage loan and accountable for returns.

Yes, as a house buyer, you are listed on the title when you co-own a home with one or more people—typically your partner, a close friend, or a relative. Most of the time, each co-buyer is also included on the mortgage and accountable for debt repayment.

Although co-owning a home has advantages, there are a few factors to take into account first. To feel "at home" with your choice, learn how co-owning a property functions, the benefits and drawbacks, and helpful advice.

The OP and her ex-partner of 10 years bought a house together, and everything was split 50/50 between them. They later broke up, and the OP had to travel.

So they got a tenant whose monthly rent is applied to the OP's half of the mortgage. The OP has a few weddings to attend, so she'll need to be in town for them.

Her intention was to occupy the third bedroom during that time because she wanted to save money on lodging during that time. But then her ex had a huge problem with it, saying that it was bad for his mental health.

Keep scrolling down to read the entire story in full.

The OP begins her story....

The OP and her ex got a tenant whose monthly rent is applied to her half of the mortgage

The OP is simply staying for a few months in a house she already owns, and it's her right to do so

The Reddit post generated hundreds of comments and here are some of the most upvoted ones

Sell the house and get on with your lives

Get a lawyer and see your options

This Redditor understands why they don't want the OP staying over

He needs to buy you out

He wants to live in his owned house for a small time

Do not try to convince or argue or explain

You pay for the house, you can live in it

The person renting the room didn't have any issue with it

It's perfectly reasonable to want to stay in the house

Your ex clearly doesn't want you being in his face

It is not your home anymore

You should be able to stay there whenever you want

OP says the relationship just fizzled out but they are still talking

That is not your house anymore

There's a difference between living with two people versus one person

He wouldn't knowingly let you move back

This is worse because of the emotional attachment

It's like you guys haven't really broken up

When one or more people apply for a mortgage loan, they are usually labeled as co-borrowers and jointly responsible for the mortgage payments. To prevent a debt default, both owners must contribute if one owner is unable or unwilling to pay. 

But that isn't the case in this story as the OP just wants to stay in her house for a few months. Redditors came to a conclusion that the OP wasn't the AH.

Maryjane