Without a complete budget, we cannot advise you.
If your rentals pay their own way, then it's probably not a good idea to do anything at this point in time with them.
If all or most of your income is going toward all your bills however, then there's a problem in that regard. We'd need to see what your income is, and where it goes each month... breakdowns (not only the housing portion of it).
Why is BF saving "ruining" your relationship? You know that you have not saved and you want to change.... those are both positives in my eyes.
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