I own a large home in a recently gentrified and revitalized, very, VERY desirable urban neighborhood in the U.S. I purchased it for $400K 8 years ago, while the neighborhood and the house were not in a very good shape and have since almost entirely tore down and rebuilt, with a few outstanding items still needing to be completed. Similar homes in my area, assuming a completed status, currently go for 800-900K. I would like to sell the house so that I can build a new home in the countryside completely off the proceeds of the sale and begin living a life of minimal or no financial dependence on the system, meaning no more debt and working only to make enough for basic needs as I will not have a mortgage ever again.
The problem is that, in the process of remodeling the house, I have burned virtually all my savings and racked up about 25K in CC debt while not completely having finished the job. The job is mostly done but the main unit needs things like window trim and some baseboard painting while the separate basement apartment has all the infrastructure done that goes behind the walls but needs drywall, painting etc. I estimate 3-6 man-months of work are outstanding. In addition to currently not having money to hire someone else to do it, I also strongly dislike the idea of hiring contractors as I am admittedly a difficult person to please and I possess 95% of construction skills required for building/remodeling. The vast majority of work that has been done already was done while I had time, in two stretches of unemployment between jobs. However, I am now employed, earning about $120K but all my income goes on mortgage and CC payments so that I literally live month-to-month.
I am looking for ideas and advice how to finance a move forward to the next step of my life, which means selling this property and raking in an estimated half a million in cash. In order to do that, I will need some time off from work, which I currently cannot afford as my cash reserves are minimal. I tried refinancing before but the bank did not like the report from the appraiser that there is still work to be done on the house, while also estimating it to be valued at $750K, assuming a completion of the outstanding items. But the catch 22 is that, in order to get those items completed, I need time off work as evenings and weekends are not enough because, frankly, I don't like burning myself out and have a need for leisure. Also, I would prefer to skip the hassle of refinancing if by all means possible and just finish the house and sell it because refinancing is an administrative nightmare.
So imagine a situation where you have no cash, maxed out CCs, yet are sitting on a cash cow that needs to eat just a little more grass that you currently can't afford.