So you'll stay with him and be unsatisfied for yet another year because of money or a lease?
It may be time to yell, "Next!" and get on with your life.
Just because you are friends and lovers doesn't mean that you are meant to grow old together. It sounds like there is more than one compatability issue to consider.
Go ahead and vent away!
When you're done, please take an action to move yourself closer to where you want to be.