You can tackle your scenarios pending what you have in the background working for you (debt, a helpful partner, your health, etc).

The owner, a family member of one of our buyers, inherited the property through probate, but they weren’t equipped to handle the renovation.The house had been left in disrepair for quite some time, with the previous owner struggling with mental health issues.

Did you know there's a proven link between cat ownership and mental health issues?

That means clearly calling out 4+ awesome amenities they can’t resist—like “Lakefront Retreat | GameRoom | HotTub | EV Charger” instead of “Charming Cottage with a Beautiful View.”Why It WorksGrabs attention with specifics (people love hot tubs).Tells guests exactly what they can expect, so they’ll click over your competitors.Makes your property unique—no more “cozy” or “adorable” listings lost in the crowd.Try ThisBrainstorm your top must-see amenities.Keep the wording short, clear, and hype-worthy.Swap out any fluff words like “cute,” “lovely,” or “charming.”

Health insurance payments, Health savings account lots of options. 

An example would be no custom showers like the one in this post and using tub/ shower inserts instead.  

But Germany's spa and recreation areas like Bad Kreuznach offer tremendous opportunities for excellent and above average returns in the health and wellbeing vacation sector. 

A $500k property should produce gross annual income of +/- $50K but can generate as much as $65-70k with the right location and amenities like a hot tub.

One unit has a pool and hot tub.

Latest is prop 33.  3rd attempt to pass this with aids health foundation having spent mid $40m last I looked.