> You are NEVER going to get that money until you sell it If you need to unlock the equity you can get a HELOC. More generally, if you own an asset with a well

> You are NEVER going to get that money until you sell it If you need to unlock the equity you can get a HELOC. More generally, if you own an asset with a well-known pricing model you can use it as collateral for a loan. To your second point I believe you do carry over tax losses for some time.