Yes, you have to live somewhere and giving money to apt is crazy since the house should appreciate , you can’t be turned dn for 30 yr mortgage if you show can pay monthly, and can be done as a reverse mortgage when buying now but I don’t know much about that program as buying , you could use that money for health care when needed. Anyways 60 is young, we eat better we work out we have better life than 40 years ago