<prompt> Human: Im in a tough situation and not entirely sure where to start. My dad is 69 years old, and basically living off of social security. Hes technically self-employed, but his business has been hardly profitable for years. His wife my stepmom died a few years ago, and before she died they spent all the money they had and then some. Some quick figures: House is worth 800K in northern Virginia rough estimate, I wouldnt be surprised if its over 900K. He owes 280K in mortgage, and 150K in home equity. He purchased it in 1978 for 120K, and has spent 50K in landscaping and 300K in improvements most of those improvements were a few years ago, hence the large balance on mortgage. He gets around 2200 a month in social security. I think his monthly expenses are around 1100 not including his mortgagehome equity payments 3K or so?My figures: I had a 60K job as a business analyst last year that I quit because I was miserable. Im currently working as a professional poker player right now self-employed, and have made about 140K in the past year from that. I got married two months ago. My wife has a 65K job working for the federal government. Her next raise isnt for another 1.5 years shell be making a little less than 80K then, I think. I have 160K in stocksmutual funds maybe a 13 - 12 is unrealized capital gains, 60K in my retirement account, 15K in bank, and 80K or so in cash. My wife and I combined have maybe 20K total in debt, that Ive decided not to pay off in full because its all low-interest Id rather keep the money in investments.While my wifes stable job helps, my unstable source of income has been an obstacle to getting a loan from my bank a local credit union. They seem to want to do everything they can to help, but its just regulations the regulations that they have to follow that are posing the barrier. It seems self-employed people really dont get much credit until they have 2 years of results.When it comes down to it my dad and I dont have a super strong relationship. Im mostly in this for me - it would kind of suck if he leaves me with nothing when he passes. That said, I also dont want him to have to leave the house hes lived in for the past 40 years. So, my main question is: if I cant get a bank loan, do we have any other options?  <response>: Your father could easily live another 10 or 20 or more years.He needs to sell the house and move into an affordable apartment suitable for a retired senior person. Then he will be able to live comfortably and safely, with expenses that are stable and easy to plan for.Its your responsibility to help your father do what is best for his security and health, and thats move out of the completely unaffordable old house and into a safe small apartment.When my father was 70 years old, the biggest mistake he made was staying in the gigantic old house himself. His health gradually declined and it became steadily more difficult to maintain the place. And the repair costs roof, heat, etc kept piling up. It was horrible. Everything would have been so much happier if he had simply sold all his old junk that he never looked at anyway and moved to a small place. 