Talked to my mother and her husband. He has really taken to this issue and drawn up some plans to turn the larger master into two rooms. They're suppose to do this in a month. I'm super excited about this. Smaller rooms is okay by me. And will actually, hopefully work to my advantage during a sale, eventually. Even though the rooms will be smaller, it will be the only 3 bedroom. And this will hopefully make up the difference between what I owe and what things are selling for.
I have to make a few decisions, like weather to give up the "master suite" in exchange for a closet in the 3rd bedroom. If I give up the master suite, whether or not to close off the separate entrance to the bathroom.