Surprisingly, even as a visitor I was able to have a lease agreement, utility bills (energy, water and internet) and even buy a car. My problem is that is very rare to sustain the visitor status for a year in a row, specially after getting 2 study visa refusals. Work permits are very hard to get in that spot too..
I might try to visit her in the and we will keep to our plans of getting married, but probably a little bit sooner than expected. it's a great relationship and I don't want to ruin it by rushing things.
Thanks for the insight!