Millionaire but cash poor

[Rita Camden]

My aunt has a condo in California and farm ground in Indiana. She owns both free and clear. Together her assets total more than $1 million, but she is out of cash. She wants to stay in her condo but can't afford to pay for healthcare on her income. I have tried Reverse Mortgage, but was turned down because the HOA is too small (10 units) and doesn't have enough cash. I have tried Equity LOC but was turned down because the condo is in a revocable trust. They said she could revoke the trust, leaving them high and dry, even though the trust specifically says that as trustee, I can retain any assets needed to meet commitments. The farm ground is also in the trust which, I assume makes it ineligible, too. The farm ground is part of the family farm so we don't want to sell it either.