<p>xaniamom -</p>
<p>Only you and your husband can sort this one out. If it is clear to you that the issues are more than just financial, then get some help with those issues so that you can then approach the financial ones. One thing that I would suggest you consider, is to look at what you can pay out of pocket if you cut everything (including further real estate investment) to the bone. There may be more money available than you had thought. Or, maybe there isn’t. If a bit more money is available, take a look at how long it will be for you to get the parent loans paid off. Perhaps your husband is more comfortable with living on a tight family budget for the next X years, than he is with putting the property at risk. Remember, even if you borrow against the property, those loans still need to be paid back. He may have looked at the difference in interest rates and decided that the risk is not worth saving Y amount in interest.</p>