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 BIL's family has their own side of the story that I'm barely familiar with, so it won't be brought up here. We first met BIL way before they got together; Sarah bought a house as a group of friends with her boyfriend at the time, and BIL and his second wife at the time. We didn't interact with him much. We just heard a few stories about him from their friend group. Eventually this situation broke down and BIL and his second wife left and vandalized Sarah's home on the way out. They let their dogs poop all over the floor, stole some miscellaneous items, poured water in their lawn mower gas tank, etc. He did this to Sarah, his future third wife. We thought this guy was out of our lives forever. Sarah eventually came to stay on my couch after she sold the house. She lived with me and my wife for roughly 3 months. Then she went and rented an apartment a few miles away. No sooner than a few weeks did we find out she was dating future BIL, and a few weeks after that we found she was pregnant. He met the family and stated that he wanted to be a part of it. He blamed all his past transgressions on his second wife. We questioned him at the time if he was still with his second wife. He said no, and that he was officially divorced. My wife looked up the public court records and found out that he didn't file divorce papers until 11 days after we asked that question. A small lie but considering our history of knowing him it was concerning. BIL is a big gun enthusiast. About 1 months after they told us Sarah was pregnant, while cleaning a gun at home he shot himself in the hand. Again, we were concerned but Sarah assured us he was a changed man and this was just an unfortunate accident. His hand healed but he didn't do his physical therapy that seriously so his hand is still kind of jacked up. I feel this is important because he kind of has a history of not following through on what he says. During Sarah's pregnancy we found out that BIL seriously beat one of their dogs back when they bought the house together. We also figured out he diagnosed himself with bipolar, but refused to go to a doctor to get an actual diagnosis. The whole family at the time was distracted by all of this because during Sarah's pregnancy my wife went through a major medical struggle that resulted in multiple surgeries and a months-long stay in the hospital. We were so focused on that the BIL details just kind of came and went at that moment. Sarah gave birth to Danny during COVID lockdown. We were so excited and we all were very active in Danny's life. Time would pass and we just kind of got used to BIL being despite the fact that he often would miss family events. BIL and Sarah would move into a house on my in-laws property just down the road from in-laws house. MIL became their primary caregiver as she could work it around her job and still make decent money. As 4 years have passed my MIL, FIL, Lana, my Wife and I all take shifts of watching their now 2 kids for them, for free. MIL also watches my daughter but significantly less that their son's. 2 years would pass after Danny was born and everything seemed OK. There would just be hints in they way he talked about who he really was. He would say something in casual conversation like "man, there seems like there are too many black people in commercials these days" or "I don't know why we are forcing women's sports to be a thing." Bigoted stuff like that, but veiled enough so there was plausible deniability. I would often call him out on it, so he really grew to not like me. This all changed at his 30th bday. He had a big party with a lot of alcohol and weed with dozens of friends. My wife and I didn't go because we are not party people. Lana and Ruth went to the party. Sarah was also there. During this party BIL went outside and decided to "mud" his jeep through the creek beside their house. This was possibly with Karl but I'm not sure of that to this day. Karl has recently come into the picture prior to this event and was previously friends with BIL for a long time. The jeep got stuck and flooded for obvious reasons. After trying to get it out of the creek by multiple means, they gave up and left it there. I believe it took almost 2 days to get it out. He went back to the party and as everyone got progressively drunk and high, my 2 sister-in-laws Lana and Ruth (I believe) criticized BIL for getting his car stuck in a creek while playing. BIL verbally assaulted them and demanded they get out of his house. They left in tears. They drove separately, and Lana had gotten buzzed so they both got in Ruth's car and drove to my house. They sat and vented to my wife and I for a while, and eventually I offered that we should go do something fun to take their minds off of it. My wife and I drove them to Taco Bell and we got some food and drove around town for a while and made jokes in the car. After they cooled off and were in a better mood they said that Lana needed to go get her car from the party. In a flurry she accidentally left her keys inside her sister's and BIL's house. We drove them over just in case anything sketchy happened but Lana and Ruth didn't want us to go inside, so we waited out in the car. She didn't think it would be a big deal to walk in, but as her and Ruth did BIL immediately got in her face and demanding she gets out or else. Ruth went to talk to someone else at the party and didn't notice this at first. BIL shoved Lana against a wall and held her there. Everyone apparently stood in stunned silence as this happened. He then shoved her to the ground, grabbed her around the ankles and started pulling her across the floor. As he was threatening to do even worse, Ruth ran up and jumped on his back and gave him a head lock. She screamed at him to stop but before BIL could anything about this everyone finally woke up and pulled them apart. Ruth helped Lana up and they ran out of the house onto the front porch sobbing. My wife saw this and got out of the car and yelled at them to get back in our car. We drove up to the in-laws house. By then it was past midnight. MIL was about an hour away working her job and FIL was up in his room asleep. The sisters went and woke him up and explained the situation through tears. They also called MIL to inform her of the situation. He got ready and ask me to go with him down to the house to get some answers. The sisters stayed up at the house. We drove down in his car and when we got out the entire party was ready for us and greeted us at the car. Literally over a dozen people, most of whom I did not recognize started screaming what happened at both of us simultaneously. Everyone was clearly very drunk. FIL looked overwhelmed, so I raised my hands and tried asking everyone to stop for a second and go one by one telling their bit of the story. BIL stopped me mid sentence and pointed his finger in my face. I noticed he had his other hand on a holstered hand gun. He yelled out "You don't have a say here! You're barely even part of this family." For context, I had been with my wife for over 11 years at that time and he hadn't even married Sarah yet and had been there about 2 1/2 years. FIL backed up and told me that I need to stop talking and that I was being a problem. I backed off and went over the yard to Sarah and Karl. I asked Sarah what happened and she told me that she didn't see what happened and that she wasn't very aware of what was going on now. Karl would barely answer the same question. I walked back over to FIL but he told me to back off and that I really wasn't needed there. Admittedly I felt pretty insulted and just decided to walk back to his house and get my car and go home with my wife. We eventually left after FIL came back to the house. We found out later that BIL had pulled his gun out and threatened to kill himself if FIL didn't leave. Out of fear of what he would do, my in-laws were pretty afraid to take action at this point. A lot of the situation was his word against someone else's and Sarah went on a tour around to the friends and convinced them not to take any of this to the police. She then tried to smooth things over with the family and offered that BIL would apologize to everyone. He then refused, stating that Ruth was the real aggressor and that she assaulted him. He eventually agreed to apologize to just FIL for causing a problem and I think some half-hearted apologies to Lana and Ruth. The whole situation was swept under the rug but an unease has existed over the family since then. He stopped coming to family events pretty much altogether. About 4 months after this situation, prior to my daughter being born, he told MIL he was going to bring Danny up to their house so she could watch him for a few hours while he took a nap. His job works long hours so this wasn't out of the ordinary. However, he didn't show up for a while and my MIL started questioning what going on. She called but there was no answer. She drove down to his house and knocked but there wasn't an answer, only Danny crying in the background. She let herself in and found BIL asleep on the couch with Danny actively trying to wake him up. MIL tried to wake him up but nothing for a few minutes. She gave up and wrote a note to let him know where Danny was. BIL didn't notice Danny was gone for 2 hours. He finally woke up, drove up to in-laws house, and yelled at my MIL for just taking Danny without informing him. He took Danny and then left. A few months after that, after my daughter was born, He fell asleep while watching Danny again. This time we found out because when he woke up the front door was open and Danny was gone. He called in-laws for help finding him. My in-laws have a large property (about 200 acres) with a ton of it forested. Danny wandered 1/4 of a mile into the woods and I believe it took roughly a little over an hour to find him. Family questioned him hard this time but he just recoiled back into their house and didn't talk to us much. Sarah continued to defend him and said it was just an accident. Again the police were not notified about any of this. There was always this idea that if we went to authorities about any of this they would just run for it. They would then surprise everyone with the news that they were pregnant again, despite the fact that Sarah had used the morning after pill. This whole time they hadn't married yet. They announced that they were getting married but Sarah told Lana that it was mostly just to help BIL not have to go through bankruptcy a second time. I wasn't sure if this would do anything to help that situation, but that's what Sarah said at one point leading up to the wedding. About a month before the wedding, however, he threatened Sarah that if she insisted on inviting my wife to the wedding he would demand to invite a friend of his that Sarah hated. This friend also used to date BIL I believe. This was his ploy to force Sarah to not invite my Wife or me. The 2 other sisters and MIL all stood in solidarity with us and said that they would also not go if we weren't invited. He eventually relented and they got married a little before Aaron was born. As more kids were added, MIL's childcare duties got much harder. Eventually my wife and I started paying her (not much but something at least. $150 a month) to watch our daughter, but we also did chores for her, bought her food often, and eventually my Wife started taking a few shifts to watch all 3 children. To date, BIL and Sarah have never compensated any of us for our work. It's a little frustrating but we've tried to understand because Sarah and BIL seem to be bad with money. They objectively make more than us yet can't afford to pay MIL anything. Last Thanksgiving, in the middle of dinner, Sarah and BIL decided to have an "intervention" and talk about how we were not treating BIL fairly. They addressed everybody but really honed in on me specifically. This seemed to be because the rest of the family kind of dance in eggshells around them, while to be frank I'm pretty honest about how I feel about them. They seemed to think I was causing the family to turn against him and questioned why I would do that. I told him he lacked humility. He said he didn't understand. I told him that if he admitted to his mistakes and actually apologized about any of the stuff I previously wrote, instead of blaming everyone and everything else then the whole family would feel a bit different about him. A lot of talk was about the 30th b-day and other times when I just ignored him and how he had already apologized about the party. I reminded him that he didn't apologize to most of the family and he blamed Ruth. He then stated that Ruth was the cause of a lot of the problems at that party. He also made a big deal about how the family doesn't trust him with my daughter and kept emphasizing how he has never held her. We finally tried to come to an agreement. I told him I would try to talk to him more and try to understand him better and he said he would try to come to family events more. He also wanted more of a relationship with my daughter. We left and my wife and I were skeptical but we said that if this is who Sarah really wanted to be with, as long as BIL wasn't perceived as a threat he could have more contact with our daughter. We have had way more of a relationship with his kids than he has had with our daughter so I tried to sympathize with that imbalance. Karl also stated later that having known BIL for a long time, he thought he was very sincere. To date, BIL has not asked or tried at any family events to spend any time with my daughter, despite having numerous opportunities. Now to the current situation. About a month ago Lana and Karl announced that Lana was pregnant. This was a revelation due to Lana having a medical condition that made it harder to get pregnant. A lot of excitement was brewing in the family because of this. Karl has been seeming like a good partner to Lana, and proposed to her a little before the pregnancy happened. This is especially pertinent because Lana and Karl moved into a house together right beside BIL and Sarah. A few days ago they were over at Sarah and BIL's house when an argument broke out between Sarah and BIL. BIL demanded that Sarah wasn't an "obedient enough wife" and that if she wanted there marriage to work then she was going to have to get better at serving him. She was upset and they weren't coming to an agreement so he was going to leave, but apparently he was very high so Sarah refused to give him the keys to his car. He got extremely mad and then got a gun, held it to his head, and threatened to kill himself if she didn't hand over the keys. Fortunately, Danny and Aaron were taking a nap during all of this. Sarah called the police during this whole exchange and the operator heard a lot of what BIL said over the phone so based on that they arrived at the house. He apparently drove away and it took the police a bit to find him but once they did he turned himself over. They admitted him to a mandatory 72-hour stay at a psychiatric ward for a mental health assessment. Sarah then came up to the rest of the family (not me or my Wife) and gave them Danny and Aaron. She then went and confided with Lana and Karl about how abusive BIL had been and how life was just miserable right now. A lot of us, especially Karl and my in-laws, were telling her that she needs to leave BIL and file for emergency custody of her children. She seemed to be listening to us and turning a corner, but inexplicably the psychiatric ward allowed BIL to have a phone call with Sarah and they had a long conversation. Suddenly, Sarah shut us all out and completely changed her story. She started defending BIL again. BIL was then let out of the psychiatric ward a day early. Since Karl was working at the time, Lana came to stay with us and then over at her in-laws. We are especially concerned about her safety around BIL due to her being pregnant. They have since cut nearly all contact with us for 4 days now. They have only told Karl that they were getting a new TV because the old one mysteriously broke somehow. They have continued to post on social media like nothing has happened. They have spent 2 days with BIL's family so we aren't sure what their opinion of this is, though we do know a sibling of his has also told Sarah to leave him prior to this latest situation. We don't know what their plans for childcare is because they are wholly reliant upon us. Lana is very reluctant to ever be home alone. Ruth is as well. There are so many other details I haven't mentioned. There have been holes in walls they've had to fix. There is some evidence that BIL is cheating on Sarah, but that evidence is somewhat inconclusive. The bigoted comments for a while now have gotten increasingly misogynistic. It's a lot of 'we need to respect proper gender roles' kind of stuff. There's just too much and I've already written a book on here. I don't really know what to do at this point. Because a lot of this stuff has been swept under the rug it's hard to tell how seriously CPS or police would take our claims. FIL has threatened to kick them out of their very cheap rental they're in now. Who knows what they would do in that scenario. I know this post is detailed and because of that BIL or Sarah might see it, but at this point I wonder if I even give a shit. They've already eluded to keeping their sons from us in the past and the vibes we are getting now is that they are already doing it. And from the bottom of my heart, fuck BIL. 

• You need to own the property and live in it.
• If you don't have a CSC card, but "live in an area identified as low-income", you may still qualify.
• The ~free insulation is only if you don't already have up to spec insulation.. or none at all
• For heating grant: "Your home doesn't already have one of the following fixed heaters that is operational in any living area of the house: heat pump, wood or pellet burner, flued gas heater or central heating system"
  • Note that unflued gas heating isn't counted as heating, which many older gas heated builds have. make sure you understand the difference.

1. **Pay Him as Much as Possible**: Should I be giving him as much money as I can to reduce the future loan amount, considering that I currently have no interest rate?
   
2. **Invest Elsewhere**: Should I pay him a moderate amount while investing my money elsewhere?