I know we need to separate and move on to divorce.
Hi Username, it's a tricky situation you have there!
Well? You could try all of the above.. and see which is the best fit.
So lets say hubby wont move out then I would do the in house separation. I did that and although akward it was for that time my alternative. This economy is not good and you will have to move , pay expenses, pay rent.. etc. etc.
Only thing with the in house separation is that its not good on kids.. You will have to remain civil and neutral and you might have to put your kids in therapy and support groups to understand what is going on. Maybe you and the kids can go together. You are going to need support for what you are dealing with.
Lets say you put the house on the market?