Smokey's solution is to sign the house over to me and me forego any retirement.
Is this wise? I thought there wasn't any equity in the house? If so you'd be trading an important asset (your share of his retirement) for nothing (zero equity).
I'd advise against this unless the numbers work out for you. I understand the desire to keep the family home, but if you aren't going to be able to refinance in the future, you're taking a big risk. Better to have an agreement that you get your share of the retirement, and after D is grown you either sell and split the house equity, or you buy him out of his half the equity at that time.
