<prompt> Human: I have been living with my father since December of last year, and he passed away this May. My plan was to stay here and fix up the house and leave it to my children one day. Its in a very desirable neighborhood with great views and a somewhat large plot over 1 acre. After budgeting, I dont think I will be able to stay in this house.The house was last appraised in 2016 for 289,000. The mortgage is currently 251,000 and I have been paying 1,600 every month since he passed away. This is almost 50 of my take home pay. He left me various stocks, cash, and payouts Ive gotten from life insurance policies. To get the mortgage to 1,200 a month which would still leave me house poor Id have to put down 97,000. This would essentially wipe out everything my father left me and I would have no savings. It would also mean I couldnt afford to repair the house it has a leaky roof, a 23 year old AC, flooring and decor from the 1980s, etc..I had a realtor come out and he thinks the best case scenario, if you poured 100k into a total overhaul, would be to sell for 400k. I also had a We buy ugly houses guy come out, and he offered me 255k as is. This would cover my mortgage but obviously Id lose this incredible house which could potentially be worth a lot of money in 30 years that I could give to my kids.I also have been told by a few family members that I am way underpaid and I should seek another job. I have very low self esteem and I dont think Id be able to get a higher paying job and keep it, so I dont really think thats an option see my post history for specifics if you want.I would hate to lose this house since it was the home I grew up in. My dad was the original owner and like I said its in a fantastic neighborhood and holds a great deal of sentimental value to me. If I have to move, should I move into a low rent apartment and save up cash, or should I invest in a different home that I can afford with my dads inheritance?Im so lost. What would you do if you were in my shoes?  <response>: From a pure dollars and cents perspective, you cant afford this house. If you sell it, you walk away with about 100k in cash. Would you rather have 100k in cash or a house with a mortgage that needs a bunch of repairs? 