I have former colleagues that are in the same boat - one I'm particularly worried about that is in very bad health and doesn't have many options aside from his wife supporting him (and unemployment).Currently, this is my "pension plan".  

how do you or investors you've mentored find ways to get health coverage?

I've just been trying to work so hard and fast I completely neglected my physical health, my relationships, and my sanity.

He owns the house free and clear, but he hasn't maintained it very well the last few years as his health has declined.

Can it become a health and safety issue. 

Typical reasons are loss of job, reduced income from job or business, divorce, death in family, health issues affecting employment, overuse of credit cards, medical bills. 

My dilemma is that we want to move.

Add that to the insight you've already seen on the post re the challenges of the refi, needing to vet the HOA health, understanding the HOA covenants (particularly related to rentals)....keep kissing more frogs until you find a better princess.

Hi BP friends, So here's my dilemma, I would like to purchase a flip, but I'm not gonna be able to use the bank this go around.

Don't forget about things that the employer may be taking care of now - health insurance, possible matching $401k - if your partner's employer doesn't have this, add another several hundred per month.So simple math wise, $5k/month * 12 months => $60k, that's post tax btw. + possible health insurance.One flip isn't enough to give a sense of the reliability of your contractor.