<prompt> Human: I own 35 of the house i live in my father. He wants to sell the house 1M. I cannot afford to buy him out. All I have is the equity in the house as there is no mortgage. I ideally want to keep the house. Yes 350k allows me some freedom but not to keep the house.My question is, is there any way to leverage my equity to get a mortgage? I assume the mortgage would be 650k or is there another way around this? I could potentially swing a 3k payment but not much more than that.Ideas? Yes I know the right thing to do is sell the house and take my share but Im wondering if there are options I have not thought of?  <response>: If your father were open to it you could meet with a lawyer and have your father sell you his share and write you a mortgage himself so you would then make payments to him. If would provide him income, but obviously not the lump sum, so that may not be desirable to him. And it sounds like you may need to get a roommate to help you pay it if you cant afford it yourself. Thats the best creative answer I can come up with. Have you accounted for property taxesmaintenances? Really, Id take the 350k and live someplace more affordable. 