@BIC_BAWS:
You're in a tough spot for sure. That's hard
.
I dunno man. Agree with others that something's gotta give. Either you pivot on liabilities to reduce your cashflow burden, or you make more money. If you feel like the latter is absolutely not an option, then I think your remaining path is to downsize.
I'm guessing you've got enough equity in that house to be able to buy a townhouse or a condo outright for your parents + brother to be in comfortably? Or at least, you'd significantly lower mortgage payments on a TH or condo.
Does that then give you the breathing room you need to live a more sustainable life?
I get that financially speaking there is supposed to be a "bigger payoff" from owning a detached house, but it's also costing you guys significantly to be under this much burden. In a quantifiable way: opportunity cost of not being able to be in a higher-income career. But plus also the mental toll on you, which sounds horrible.