<prompt> Human: Looking for advice from the community. This is a throwaway account because my family knows my regular reddit name and I dont want them to worry about me. I have a piece of property in Maine with a mobile home on it. My wife, kids and I had to move out unexpectedly 3.5 years ago. We had to move because while dealing with a medical emergency the house froze up this was February 2015. When the weather decided to turn back above freezing the pipes had burst and flooded the mobile home. Rendering the kitchenbathrooms useless due to water log and destroying the sub floor. When we discovered the damage we were in no position financially, emotionally because of the ongoing medical emergency or otherwise to deal with the home. My mother had a rental home that was unoccupied at the time and allowed us to stay in that rent free for 2 years to allow us to get back on our feet. In that time we paid off all debt we had except for the mortgage on the ruined mobile home, and my car.Fast forward to today, and we have been paying rent for a year and a half. We are a little behind on it but doing alright. The mortgage on the ruined house is a couple months behind. My car is paid off and she had to get a new car that we bought used and are keeping up on payments. My wife is unable to work due to the cost of childcare in our area and us having 4 children that need to go to 3 different school systems. I work for a quasi-government agency and bring home 520 a week not including overtime. That is after all health insurance and other benefits. My daughter who had the medical emergency that tipped the scale for us 3.5 years ago gets a SSI benefit of about 600month. I have a second job that is mostly winter related that I make about 12000 from but 80 of that is made from November to February. The other 2400ish is spread out throughout the rest of the year and cant be counted on at any given time for a budget. We owe about 22000 on the mortgage. The payment is 350 a month. Currently owe 700. The property taxes are 800 a year and those are two years behind. My wifes car has 2000 left on it at 200 a month. Rent is 600. Cell phones are 150, internet is 65 electricity is 180. We paid credit cards and student loans off while living rent free. Adding this all up my Bills equal 1545 a month.My income is 2680. This leaves 1135 for groceries which are usually 750 a month for 4 kids my wife and I, gas to do school runs and get to work etc and anything else that comes up. Not much room for error. So where I am seeking advice: what to do about my ruined mobile homeproperty? I cant sell it as is unless the person has cash, because it cant be mortgaged by someone else due to it not being livable. I cant demolish it and sell just the property because the bank holds the deed. I cant fix it or replace it because I cant afford to. My credit is shot. And have no one to help cosign a loan to fixreplace it in order to sell or move back to that property. Im at a loss. Any suggestions will be highly appreciated. Ill answer any questions people have to help me find a solution to this anchor holding us down.  <response>: What did your homeowners insurance say about the damage? Mortgages typically require homeowners insurance, and its for events like what you said. I feel like a mobile home just needs to be replaced, not sure how much fixing really it worth it.And what does the bank think about this? The other option is just let the bank take it. Im not too familiar how that process works out normally though. 