I put $200,00 towards a down payment for a condo with my boyfriend. He is on the title, but not on the mortgage. How do I protect my equity investment now?

Dear Quentin, I recently sold my condo and put the equity earned towards a new condo I own with my partner. My partner — we are not married — is on title, but not on the mortgage. He pays half of all expenses monthly without fail. What would be the best way to document and protect my equity in the event that we split up?... Dear Quentin, I recently sold my condo and put the equity earned towards a new condo I own with my partner.

What’s more, if you pay the mortgage off, he will still be entitled to his 50% share of the property should you sell it. It’s a win-win for him. You also took $200,000 of your own money and commingled it in a shared asset. It’s a cautionary tale and a textbook example of what to avoid when buying a property with a partner, particularly one to whom you are not married.

A cohabitation agreement is a wise move for unmarried couples, especially those who own a home. It is a contract — a de facto prenuptial agreement. You both agree to the terms and conditions: What happens to the house if you split up or one of you predeceases the other? Do you sell the property and split the proceeds 50/50? Who, for instance, is your healthcare proxy?

Let me throw random strangers on the TITLE while I'm at it.

Nothing. Boyfriend is co-owner of the property. Terrible decision.

Chill in hand

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