So the facade thing relates like this to my sitch:
If we both own house, we can each get a significant tax credit for renovation, each year. The facade renovators have said they can do the job over two years, thus giving us each 2 years of tax credit, and cutting 1/3 of the total cost.
If we do 1/2 this year, then my W needs to stay an owner of the house, possibly something good.
If we do nothing, then we may have trouble - thinks W - being able to sell the house (low curb appeal, but the inside is nice). That is what I am asking the realtor - do we need to do facade?
If W moves out but stays part owner, then I could take a cheap home equity loan for at least part of her payout. I could maybe cash out retirement money for other part.
A middle way seems to be the 1/2 renovation this year, half next, with W getting only partial payout this year, me staying for at least a year more in the house, and maybe having a chance to fix things. She retains partial ownership and so connection to the place and so me?
Luke
M58, xW54 S22, D18 M 1984, D 2016 Living a new life.
