Worth a listen re: borrowing against your BTC. Jack also has some good words about fiat money and fiat houses. ie 15 year asphalt shingles vs metal roofing, durable exteriors and trims vs the shit they are putting on cookie cutter new builds these days, etc. The link will insert you into the podcast at the part of the show where he specifically talks about borrowing against Bitcoin. But the entire episode is definitely worth a listen and provides additional context.
Good luck. I’m in the process of trying to get out of a fiat house onto some land, and renegotiating my “death pledge” with the bank as we speak.