As someone who put up with a lot of bullshit on the premise of being safe and financially comfortable - don't. You're settling. Is that all you want for your life, a mediocre relationship? The father of your child shouldn't be someone you're basically using as a sperm donor just because you're worried about time running out. That's unfair on the child.
You asked if we would stay with someone who doesn't act like they love you, won't have sex with you, hell you're not even on the deeds to the house after this amount of time. He's playing you like a fiddle, and you know it. Taking full advantage that he's getting his house paid for in half by you. My ex was the same. Barely touched me, stopped giving a fuck about any of the emotional aspects of a relationship to the point we became like flat mates, and no matter how much I tried to initiate or try and reignite that love and passion he once had for me, it just didn't work. He didn't care. He had someone paying for his half of the house, bills and shopping, and a skivvy to clean up after him.
It's highly dysfunctional and not what you should be settling for in any aspect of your life. You deserve someone who loves you, who wants to have sex (if that's what you want) and go through life together, instead of just trying to hurriedly tick all the boxes of house, kids etc. Yeah, time is short, fertility is shorter, but that should make you want to get out there and find someone who actually gives a damn. Not this guy, who obviously isn't the right person for you judging by what you've said.
Don't have children with this man, for all of your sake. Assess whether you can live without having good sex or physical affection in your life. If not, move on. It will be shit and difficult, but in the long run it's worth it. Read into the sunk cost fallacy, that's what you're facing right now. I did it myself, put off leaving for years because I was scared of leaving the comfort of what was essentially an abusive relationship because it was familiar. Lost my home, lost my friends, but my family welcome me back with open arms. Now I'm thriving. Doing everything I wanted to do because I decided enough was enough, and going by what you've written here, you should do the same. Stop making excuses and just do it if it's what you desire.