. . . "Even when Melinda got pregnant and had a baby, the setup still worked. (It helped that the other couple was there only a few nights a month.) That is, until the real-estate market crashed in the late aughts and their in-laws suffered investment losses. ???They ended up being overextended, and keeping this home was a challenge to them financially,??? says Melinda, ???so we sort of had to take over" .