The lady is an absolute diamond, has and still does care work for old folks as well as a full time job, she does not get paid for the care work.
Myself and another local guy have explored a lot of avenues, if anyone knows of a reputable company or person who does this kinda thing then please put me onto them.
If her selling is the only option next April then so be it, but right now we are trying to save the 120k + equity she has in it so when she dies her kids at least get something.
We have discussed a bunch of options, I know she would, (nearer "D day" which is April 2021), go for a reasonable deal where she lives in it until death, she is realistic, but also proud, a little stubborn and her children, (adults) are very dear to her.
I would look at buy to let mortgage, may still do so, but I am 58 now, so that may be an issue IDK I've never looked at Buy to let.
What we discussed so far is that right now, any investor gets his £100k worth, a monthly rent of HB rate, and upon death it gets sold, with the investor gaining on any total value increase, so the kids get their 120k split between them upon her death. In other words the Investor gains the 5% on total value at death, for his 100k investment plus the monthly rentals or the investor could BIN for £220k and then has total ownership with tenancy agreement as above.
She doesn't want me to discuss this with anyone local, I respect that, but it is a shame as I have a very wealthy customer, a property developer who actually does this sort of thing.
Regarding the Coswoof, it was taken by me as a p/ex .............. A mint condition 4x4 2.0 Sapphire, I stripped it to a bare shell and scratch built it from all genuine Cosworth parts, the wheels were aftermarket.
Thanks for your advice, and please, if anyone gets time, share the fund raiser on as many platforms as you can