He gets the upside when and if there ever is any. If he could sell for $600K tomorrow he would get the profits after making his lender whole.

He gets to stay in his home and wants to. He has been fighting to stay doing part time unglamorous work and anything he can to survive for a couple years. Sitting on his ass collecting UE was something he never wanted any part of. Its a modest home in a working class neighborhood and I wouldnt say he loves it but its home.

And yes he feels very lucky, fortunate….(insert oyur own adjective).