I have had clothes with holes in them going to work when I had a job because I didn't have money for food not alone 10 dollars for more pants back then.I went out to Barnes and Noble bookstore and started reading in the store.

edit: you can store your coins offline too in case the net goes down for a bit. 

And keep in mind that the rate on the 2nd lien will likely be 10-12% so depending on the cash flow it might not actually yield that much cash to you at closingMore importantly, it's just more debt so ultimately it sounds like you need an income-producing event to actually improve your situation and avoid some of the consequences that you mentioned

Please advise what should I do in this situation.

It sounds like you are in a great situation though currently. 

Buying a home is the bay area retirement planYes, there are a lot details and differences for everyone's particular situation.

I can honestly say I've had a similar situation with the flooding...one of our garden units in our Cicero property flooded twice as well, one of the times due to city back-up. 

But, here’s a situation in which having my properties in SEPARATE series of an LLC saved me enormous time, aggravation and money.in 2012 I purchased 5 individual high rise condos in different buildings in Phoenix, AZ.  

KS yoak basically made the situation worse.

What would you recommend I do in this situation?