<prompt> Human: My wife and I found our dream home. Problem is that its way more money then we had planned to spend. Im 34 years old and have spent my whole life playing it safe. I want to take this risk and something motivating me is that our dream home has a second house on the property. The second home is an adorable cottage that overlooks its own private english garden. This second house is far enough away from the main home that were thinking we could use it for some minor income generation on AirBnB or using a very close BnB as a property manager.I also need to figure out how to buy our dream home and sell our current homewhich needs some minor work at the same time? I have extended family we can stay with if its the best idea but would rather due some magic with home equity to close on dream home unless that is moronic. My family being my wife, daughterage 3.5, 2 dogs, and 4 chickens. The dream home is listed for: 900k Educated guess at nightly rate for cottage: 300 Safe assumption would be 10 nights each summer month: 9k total cottage revenue Asset breakdown: Credit score 785 Annual income 130k before taxes We own a house worth 500k 45k in a traditional IRA 25k in a 401k Debt breakdown: We owe 260k on the house We have a 400 a month car payment  <response>: This dream house will turn into a nightmare. Nope. 