|dhcp server has no knowledge/cares about the routers. Its only job is to hand out ip addresses when requested.|
If 255.255.0.0 is your primary subnet mask than that is what should be configured on the cisco routers lan. It is OK to have one router at .3 and the other at .245
Neither router should be doing dhcp serving so this needs to be disabled on both routers.
Everything was working. If your ipconfig is on 255.255.0.0 you can't talk to anyone on the 255.255.255.0 network
What is still a mystery is what two internet connections are going to do for you.
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