She will get each beneficiary to sign off on allowing this to happen, lessening their inheritance cash-wise but keeping the family in a home.My idea is that the trustee daughter could purchase the home, but could do so instead through a sort of owner-financing where the Trust finances the asset to her directly rather than buying it in full at great cost and taking out a mortgage on an already paid for property:- Property is in Trust and is fully paid off,- Trust finances the property to Trustee for closer to market value, and payment can still be set at 1500- No/less down payment required- Any interest rate, maybe 0- Tenant family makes rent payment of 1500, which pays off the property and pays into Trust- Beneficiaries' % share accrues gradually as payments are made- Set future balloon payment if necessary (if Balance required at a certain time, for college, etc.)This would decrease the out-of-pocket cost for the Trustee purchaser, and increase the amount that each beneficiary will receive (eventually).I have no Trust experience, though, and I'm hoping to hear from the experts.

I would say work backwards from your goals and see which will take you closer to the goal.

These will have a higher rate, but since it isn't under the same guidelines as conventional you may find par (or closer to par) pricing on that. 

Less expenses: Stop going out to eat so much, trade your car for a cheaper one, sell the $5000 golf clubs for $1000 ones, 1 vacation a year instead of 2 or 3 a year because "I deserve it", cut the grass yourself.I am being a little silly, but seriously get on a budget and see what you need to do to cut expenses or where you can work a little harder.

My Brightway agent was able to get me a policy under $1,000 whereas Lennar Insurance was closer to $1,250 for the premium. 

Had that been factored in, my guess is floating rate “wins” closer to 90% to 95% of the time.  

Spread over a year, you are probably closer to 15%.Shop around and don't look at only the price!

That number today is closer to 6% and the number has gone from 600,000 manufactured homes annually to 100,000 in 2021.NIMBY has killed manufactured home communities but what we don't talk about enough is their versatility.

So your gains will likely be taxed closer to 21%. 

First off, you need to live closer to work kill that 3 hour commute.