Here is your next option. If you can't afford the whole property but the land, can you build on the land down the road? I know a lot of people who have flipped property and made a lot of money. You can keep 500K tax free after 2 years living there. Maybe you buy the land live in you house for awhile, then start building a new one on this property. You are full of options now.

I can play this several ways. My best advice is for you to think what will you do when your 65. I'm no accountant but I am a person who is addicted to having fun.