I hate to be a downer, but she wants a D. She figures out that she can't afford the house after D, so then a day later she comes to you and says you could both live in the house together. It sounds like she still wants to be separated though. I'm afraid she might want cake-eating: emotional and financial support from you and dating as well.
If that is the case, would you be alright with her dating or OM while you're living in the same house? If that is what she intends, I'm thinking that won't work out. Have you talked about the specifics of this? If she isn't interested in an OM, would she agree to MC? At some point, she would have to agree to give up contact with OM though...