Ok so, utilities 50/50 sounds good. For the mortgage she will not be gaining any equity or building credit as her name is not on anything. Personally I'd go with less than half on the mortgage. Maybe 1/3 for her. If you had her name on the mortgage I'd say more but she is basically just a Tennant I think in the eyes of official standing typically with court type stuff. I wouldn't put her on the deed as it doesn't account for your equity on the property already. Down the road if you guys make it deeper into the relationship you may want to consider adding her to the mortgage and have her buy into the already standing equity that you have to gain proper and fair rights to the property. Just my opinion tho, depends on what way you want to go.
Why would people be targeting her?
Ok so, utilities 50/50 sounds good. For the mortgage she will not be gaining any equity or building credit as her name is not on anything. Personally I'd go with less than half on the mortgage. Maybe 1/3 for her. If you had her name on the mortgage I'd say more but she is basically just a Tennant I think in the eyes of official standing typically with court type stuff. I wouldn't put her on the deed as it doesn't account for your equity on the property already. Down the road if you guys make it deeper into the relationship you may want to consider adding her to the mortgage and have her buy into the already standing equity that you have to gain proper and fair rights to the property. Just my opinion tho, depends on what way you want to go.