12_51: You need to consult an attorney. You ought not seek legal advice from the Sex Starved Marriage message board. Life doesn't work that way.
As a divorced man, I will tell you this: you are making assumptions that are not necessarily true, e.g.: If we divorce, the property & debt is going to be divided equally.
You might also want to consult a realtor. Nothing like seeing a "For Sale" sign up in the yard to make someone realize that you're no longer taking their sh!t.