...Mish! Why not I love a bit of finance talk. I didnt mean HIM to set aside money in an account.. his shortfall would be subtracted from his cut of the profit on sale, I meant Julia could, then you dont 'lose' out by getting less back when its sold (but you wouldnt anyway, as you have gained each month with no mortgage to pay).
If you get it rented, there wouldnt be a need for a payment holiday.. as the rent should cover it (??). What about buying him out, is that an option? Ok, seriously, I'll shut up now !!!