Greetings. Here is my advice - see an attorney. You have a lot of tricky legal issues. First, his separate property is his, unless he commingled it or gifted it to the marriage. This factor may be significant, if you are compelled to pay alimony.
Yes, it is foolish to waive your rights to anything in a separation agreement without consulting an attorney and ensuring that you are making a waiver in excange for something else.
If you move out of the house, you will want to try to negotiate a separation agreement first, concerning who will pay the mortgage, what will happen with the house, etc. You cannot initiate the sale of the house if he refuses.
On the last point, it will depend. Your accounts need to be reviewed to determine which is marital and which are separate, so I cannot tell you from the information provided herein. Best of luck and let us know if we can help you work out these details.
Janet L. Fritts
Attorney at Law
4101 Lake Boone Trail, Suite 500
Raleigh, North Carolina 27607
The response posted above is based upon the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with an attorney, fully explain your situation, and allow the attorney sufficient opportunity to research the applicable law and facts required to render an accurate opinion. The basic information provided above is intended as a public service but a full discussion with an attorney should be undertaken before taking any action.