Even without an A-frame doubling the amount to borrow (and the monthly payment), the Home Equity Loan is still very much a Go.

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Conservatively, I have 80K in available non-liquid assets via current equity.

Liquidifying half of that, maybe less, maybe as little as half of the half, makes a lot of sense because it’s not new debt, but restructuring of old debt, and would result in long-term savings of 5-7% interest over a long period.

So, yeah, examining options via Nerdwallet and the rest of the clearinghouses is the key here.