<prompt> Human: In October, my family moved out of our house to live with a relative, rent free, to help the relative. We rented out our house, initially at a loss, but now well be making twice the mortgage. Our living situation is not what we thought it would be and it is unacceptable, so we are looking to buy a new house and move there asap. The plan was to save up for a Dp to buy a new house, but the timeline is now moved up. When we originally talk to him, our broker told us that we could either buy immediately not live with relative and use projected rental income to offset our mortgage; or live with relative for a year and then use the year of rental income income to offset our mortgage. Ive asked him if theres any way around this, but were probably stuck. We have funds available retirement loan to do a 5-8 downpayment. Considering asking other family members for a loan to get enough for 20 down. Basically the whole move was a mistake, we dont want to sell our house because its being rented for proft and has 10 years left on the mortgage. But really want to move out asap. Any thoughts?  <response>: Option 1: When your tenants lease is up, you move back into the house you own. Option 2: Take out a home equity loan on your rental property and use that for your 20 down payment and any initial projectsrepairs needed at the house you find. Use the money you take in from your rental to pay down the rental mortgage and the home equity loan. You may want to contribute extra each monthyear, depending on the termsrates. 