Two things have to happen to save my house. I have to get out of arrears and I have to have a plan to pay my mortgage going forward. I would need a small cushion of a couple months to get myself on a manageable plan.
I know I can take on the loan modification with just a small loan of maybe $10k. Then I can do one of two things.
A) Split part of my profits with a naturopath who can script out my clients and oversee oxone therapy here in my studio. That alone with my already established client base should help me get enough people in the door. Especially if I supplement with eBay until I have the rotating clientele to sustain the business. I’m guessing with the right guerilla marketing it would be the key to success.
B) Pull out the equipment, and see about moving it into a doctor’s office. Meanwhile; rent out the main house to make a large part of the mortgage and us all move into the business studio. It will be cramped but it will keep us afloat and any work I get, be it eBay or any job at all really will be more than enough to get us through her senior year, at least.
Plan B would could allow for more financial ease, assuming I have a stable tenant. While it isn’t the ideal solution, I would be happy with it. And it’s a much, much better solution than being homeless.
I am hoping against all hope that due to the Pandemic the mortgage company will have some flexibility in letting me take on the loan modification, even though they cancelled it, or hope that the home savings loan will come through. That would be even better, since it will keep the mortgage at it’s current rate and allow me to save the capital I had made with the property.
But I would still need a small loan from somewhere. So much of all this is completely out of my hands. I will just have to keep working and clawing my way out of this mess as best I can. Hoping something comes through. Please God, let something come through.