I see no factors on the horizon that will suddenly cause either of these two markets to shift from strong appreciation to declining prices.

The people are nice, but the society is very buttoned-down.

Good luck and don't cave just because they are old and disabled doesn't mean the rules of polite society don't apply to them.  

While the theory of integrating people into society is a good one I think we have moved many people from the hospital to these homeless camps.

Drive uber, pick up an evening shift at McDonalds, do something else to increase your income.

We've offered some opinions on your situation that seem to be contrary to what you want to hear, if that's what you mean.Personally, I don't like the attitude that leads people to believe that the upside of an investment is all theirs but any losses should be borne by the bank / society.

It is regretable that in our society that some might use their preceived expertise, by the virtue of a law degree or license, to profit by suggesting to the public that breaking the law may not have consequences.

Now, a week afterwards, I'm finding puddles of water on the floor and it's wet around the base after her shift. 

You’re just shifting money around using a line of credit to “chunk” payments towards the principal of the debt which eliminates interest.

., and they are free to buy whatever they want.If party A wants to critique your purchase price, tell them to go buy a distressed property, pay cash out of their pocket for the rehab, and incur all the risk of rehab "surprises", getting ripped off by a contractor, the market shifting, etc.Then go sell to party B, C, or D that aren't such a PITA.