separate rooms, not so doable in my apartment

But I'm avoiding that route at all costs, I think I'd rather split (hopefully temporarily) and resolve this than have her live with me.
I'm going to tell her how I feel, and get a better feel for how hard she is really looking for a place. If she can convince me she's really looking (and I think she is), I'll be content for now. And help her out of course. If some time down the road she's still living there, we'll cross that bridge when we get there I guess...
I guess I learned a lesson though, even if you don't think things will go anywhere, red flags are still red flags.