If you find yourself in a situation where you own a home that you can't afford to fix, there are a few options available to you. The first option is to sell the home as-is. This means that you will sell the home without making any repairs or improvements. This is generally not the best option, as most buyers will be unwilling to pay top dollar for a home that needs work. However, if you're in a hurry to sell and don't have the time or money to make repairs, this may be your best bet.
Another option is to take out a loan against the equity in your home and use those funds to make the necessary repairs. This can be a good option if you have equity built up in your home and can qualify for a low-interest loan. Be sure to shop around for the best rates before taking out any loans, however, as some lenders will offer better terms than others.
If neither of these options is possible or desirable, you may need to consider giving your home back to the bank through foreclosure. This should only be done as a last resort, as it will damage your credit score and make it difficult to obtain financing in the future. However, if you're facing eviction and have no other choice, foreclosure may be the best way to avoid homelessness.
No matter what course of action you decide to take, remember that there are always options available when dealing with an unaffordable house. With careful planning and execution, you can find a solution that works for both you and your family's needs.