They don't all offer the same servicers (default management, document services, tracking of taxes and insurance, escrows, etc.), but I am with you that communication and competency are key.

Should We:Sell, take advantage of the capital gains law, move, and pay the mortgage off on the new house, credit cards, etc…?

This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?

The metric we track is how many offers we send out.

While I do not have an official W-2 currently, I do have a steady income, great credit, and have money saved as well from working since I was 13 years old.I relate to Ian Kay in his journey but also am very determined to make my goals/dreams a reality this year by July 2025.

To access your home equity without selling, you can explore options like a home equity loan, a line of credit (HELOC), or a cash-out refinance.

If my target would be low income residents, are there any grants, tax credits, or funds available to help me with the conversion? 

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer. 

Any local bank that does this kind of financing should be able to approve you as long as you have a good enough credit score and never declared BK.

Our crew tracked the thieves footprints and sled marks through the snow to some old warehouses nearby and recovered some of the tools.