First she can buy whatever she wants, it's not for you to say, let or give her permission. Rent is rent, there is nothing that entitles you to owning any share of any property she owns. Just like an apartment you rent now. You pay rent, you don't own or rent to own unless that is the agreement. Where it may become joint ownership is once you marry unless there is a prenup or contract that you agree that the property is hers. But before you get to that point.. why don't you talk with her to see if your futures plans align and include marriage. If she's firm on owning the property outright, you also can be very clear about what you pay fairly as a renter. You should not be expected to solely pay for the full mortgage. The mortgage is not rent. As for other expenses, how are things working out now? Do you split everything - those would be good topics of conversation to figure out. Is she looking for a fixer upper? Be really clear. If there is going to be a remodel, she's the homeowner - she'll have to put forth the money. Start with a long conversation about your future and then ask questions.
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