I need to raise an additional $100k to buy my wife out of our home. Home has plenty of equity with only $70k remaining on a 2019 equity loan. No other mortgage. What’s the cheapest way to borrow $100k right now? I can only think to roll the home equity loan into another home equity loan, albeit at a much less favorable rate (& plan to refi later?), borrow from family, or a 401k loan ($50k borrow limit I think).