If you sell because of health, work, job, or unforeseen circumstance you can get the section 121 even if you sell before 2 years.

Are there any hard money lenders or alternative solutions that could help navigate this dilemma?

Is it a health or safety issue to replace the shower?

Look for cracks in the foundation, walls, or ceilings, as these may suggest settling or shifting.Additionally, keep an eye out for pest infestations, particularly termites or carpenter ants, which can cause significant damage to wooden structures.Lastly, be aware of environmental concerns such as radon levels and underground oil tanks, which can pose health risks.Having a qualified home inspector conduct a thorough evaluation is essential.

Both brothers were retiring, and one was in very poor health.

Not to be pessimest, but just because I read a few health books does not make me a doctor, nor does reading a book on history make me a historian.This business is not easy. 

Then after that split is taken out, we pay income taxes to Uncle Sam, errors and omissions insurance (in case there's a lawsuit), Realtor's Association dues, MLS fees (so you can look at properties on Zillow), monthly technology/desk fees to our broker, health insurance, car insurance, gas, maintenance, clothing, computer, cell phone, software, marketing, etc.

So, they don’t have health insurance, savings, retirement, etc.  

These reports provide a clear view of your financial health and make filing taxes straightforward.3.

(B) The accessory dwelling unit was built on or after January 1, 2020, in a local jurisdiction that, at the time the accessory dwelling unit was built, had a noncompliant accessory dwelling unit ordinance, but the ordinance is compliant at the time the request is made.(2) The owner of an accessory dwelling unit that receives a notice to correct violations or abate nuisances as described in paragraph (1) may, in the form and manner prescribed by the enforcement agency, submit an application to the enforcement agency requesting that enforcement of the violation be delayed for five years on the basis that correcting the violation is not necessary to protect health and safety.(3) The enforcement agency shall grant an application described in paragraph (2) if the enforcement determines that correcting the violation is not necessary to protect health and safety.