Only having 20% equity in a property leaves your excess cash where you want in and not tied up in that particular asset. 

All three houses cashflow and she is not interested in selling at all as this is her retirement plan and main source of income, however due to excess cc debt, a high DTI, low credit score and lack of financing options, she is extremely cash poor. she is at the point where she could and I think should declare bankruptcy on those cc's, and move the houses out of her name. in order to get financing, all houses need to be in LLCs, which they aren't.in order to kill a couple birds with one stone, my mind goes straight to 1.

However; with all the regulations, permitting time and fees, materials costs due to high fuel prices, taxes, coupled with workman's comp insurance, etc. , the high insurance for homes, etc., it's no longer possible. 

So, what best facilitates your next steps in life, holding this as-is, or liquidating to help fuel your next actions in life? 

Massachusetts Single Family Housing Sales for January 2024: After a brief hiatus, lower inventory and sales fuels the march towards higher prices.

HML is one that holds themselves out as a lender IE advertises has a website in states that its required is state licensed and NMLS registered does not matter the source of their funds its about how the business is set up and marketed.A private money lender is simply that a private person that is NOT in the business of making loans they are simply using their IRA or some excess cash to loan to those they usually personally know or meet at RIA events.

Supreme Court unanimously held that a county's retention of the excess value of a home in a tax sale violated the Takings Clause of the Fifth Amendment.

That seems to be where a ton of retirees and young demographic are moving too which is fueling big gains in population growth and job diversity.I still have clients in cold belt states.

But, being committed to my family and financial freedom fueled my “Why”.

Seems excessive but