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[quote=Anonymous][quote=Anonymous]Sell the house and buy one that doesn't require renovations.[/quote]

Horrible idea.  Because you never really know what a house needs until you live in it.

We bought a house we thought didn't require renovations, and then we moved in and slowly realized all of the things that needed renovation.

the only house you know won't need renovation is a house you have built (because even a house that is new may not suit your needs).  If OP's husband isn't okay with a 100k loan, then I don't think he's going to be okay taking out a loan to have a house built (because they would have to take out a loan, unless they are willing to be homeless or rent while the house is being built) and then selling their house when it's done and paying if off then.

Not to mention, on paper, OP's house is worth 900k.  but if it really does need renovations (let's say it's got dated kitchen, bathrooms, other issues), then OP might not be able to sell it for that amount.[/quote]

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