Save Our Home

This is both humiliating and difficult for me to do. For those of you that don't know me, my name is Matt Oxley.  I bought my 900sq ft home when I was 20. Not because I was a wealthy kid - no no. It was more of a matter of "I have to figure out where to live because my mom is selling my house this week!" and I found a cosigner to help me buy it. I've been paying on that loan  since, and taxes, and all the other bills that come with owning a home.  Of course, that's difficult and has always been.  On top of that I've owned a business, operated it in my small town because I want to serve this community more than I am interested in making wads of cash in larger cities. Fast forward to 2017 - a year after I quit my full time job to pursue my business full time, I started having medical problems. Kidney stones (up to 9mm), migraines (once lasting 27 days straight), and a gall bladder problem that was misdiagnosed and landed me in the hospital, with 2 surguries for a week in Jan 2019. I am still not at 100%, considering how I was able to work before all this. All in all, those events and the inability to earn a living while severely ill, in pain, or on some prescription that knocked me out for a day took a severe toll on my fanancial situation - which had never been great. (much of which, being my own fault of course) Right now, I'm ~120k in debt.  I owe just over 30k on my house, the problem is that because of the way the original was set up - and the way my income dropped over the last few years - I cannot qualify to finance it.  My credit score is in the mid 500's when it was once just under 800. My tax returns for 2018 show that I made only $5,800 all year. I can afford my house payment, it's easy to make - but if I don't get it refinanced or paid off very quickly, I'm going to lose it. I don't want to lose the only home I've ever known, I don't want to lose my one place of comfort.  If you know me well at all, you know what sort of things I've survived in my life.  A lot of it is published on my old blog: RagingRev  - but now there's a pandemic, I'm not certain when or if things will become normal again and no one is... but that doesn't stop how the world works unfortunately.  I feel absolutely powerless to fix this. I'm asking for help from my friends because I've always been the person people come to for help.  I've always been quiet about the money and services I give away, but they equal up to hundreds of thousands of dollars over the past 10 years. I'm the person everyone calls or texts at all hours of the night when you don't know how to Google something,  and I've never charged for that.  (I get dozens of those every day) I know that's my fault - but I'm hoping that someone else out there has a heart that bleeds like mine when people struggle. I've always treated everyone as if they were my own family when they were in need.  Rarely in life have I received the same, largely because I don't ask for that. Today, 3 people including myself live here.  This house, which started for me as a place of abuse, is now a place of safety and comfort for a lot of people. LGBT youth from all over the country have come here for safety,  multiple non-profits have been started in this home, the local #blacklivesmatter movement is partially run here.  It's important to more people than myself.  Keeping this home in place keeps 4 LGBT people employed, and provides safety for many others. We're the only house in our county with a PRIDE flag.  :( I've struggled quietly for years trying to overcome this debt, and trying to get my head above water - but I don't think I have much longer or much more energy to do it - so if you can help. Please.  If you can't - please share? **if this reaches the goal it will go toward the payoff of my home immediately.  Any additional funds will go toward other debts such as back taxes.** ****If you are a well qualified buyer, private financier, or otherwise able to finance 32000 privately for a term, please reach out at [email redacted]***