Sometimes you need a loan in reverse. The way a reverse mortgage works is you borrow money from the bank, make no repayments until you sell the property and then you pay all the interest that would have accrued capitalised(added the compounding interest) onto the loan. Usually people this suits(and are eligible) are retired people 65 years or over who have property and want to take a small amount of cash out $150k (relative to the value of the property)and live off the loan money or use the cash for something else. Their children normally are in agreement with the arrangement as it’s their inheritance at risk. Sometimes its works out to profit everyone as it enables the parent to keep a property where the capital gain out weighs the loan costs of a property they would have otherwise sold without the reverse loan.