I would suggest that you look into whether holding title as joint tenants will trigger the change in ownership needed to effect pre-Prop 19 benefits.

California instituted Prop 19 which will come into effect Feb 15, 2021.

.#4 sounds good, but now we have to define "smart debt terms" and that will depend on the deal.

It may sound dramatic and needy, but that is how I see it.Given this, it should make some sort of sense that I must force my way to create relationships and value from the smallest of openings - if I am to create a environment where I feel good about my place in the world.

This is the most basic level of protection and it is not very effective, but it is still better than nothing.

So selling sounds good in order to tap into the equity. 

Almost sounds like a solution in search of a problem. 

It sounds like a solid investment, shoot.

What I do know is that most educational programs have a disclaimer that says “these are not usual results” or something to that effect after they give glowing examples.

This is the most basic level of protection and it is not very effective, but it is still better than nothing.