plus, at least here, the real estate market is a little better. The inventory is finally down and not many homes like ours are under water.
Most are a little above or at least at what they paid in 2004-2007 ish...
so she may want "her" 28k back, or she could let it stay there until you can refinance and then get some return.
Sounds like to you, she is supposed to take a total loss-- but your family business benefits. How is that fair to her? Would you think it's fair if you were still married?
I can see why a divorce would NOT change that in her mind. Not sure I disagree with her either.
I can also see why she lives where she lives--you are in the marital home, not her. She could argue that its' wrong for her to pay the price for the mistakes you both made.
So she may feel you are ripping her off, taking the money she put into her/your home & now wanting her to lose all of it AND not live cheaply on the little family business apartment.
When you put the family home (as in your family with her) in the name of YOUR family's business,
did she have counsel telling her she was giving up her interests in marital property?
M: 57 H: 60 M: 35 yrs S30,D28,D19 H off to Alaska 2006 Recon 7/07- 8/08 *2016* X = "ALASKA 2.0" GROUND HOG DAY I File D 10/16 OW DIV 2/26/2018 X marries OW 5/2016