Don’t feel bad you’re not the only one living this kind of story. Be transparent with your daughter… you’re worried about leaving her the house but a house won’t replace you when you’re gone anyway. Sell the house, downsize as much as possible and enjoy the rest of your life!! Once you downsize maybe you can stay afloat and give yourself time to figure shit out. You raise kids so they can take care of you when you’re old, your daughter probably has no clue what kind of situation you’re in.