You may be able to "pledge" a non-qualified annuity as collateral for a bank loan.
Can You Use an Annuity to Qualify for a Mortgage? - FREEandCLEAR can i use my annuity to buy a house
The IRS often views pledging an annuity as a "deemed distribution," which can trigger immediate taxes and penalties on the growth. ⚖️ Rules and Tax Implications First-Time Homebuyer Exception You may be able to "pledge" a non-qualified
If held in a retirement plan, you may borrow up to $50,000 or 50% of the balance (whichever is less). you may borrow up to $50