What, if any, would you recommend for Sam and Lois and why?

Sam and Lois are in the 80’s and are having financial difficulties because they lack the income monthly to make all of their payments. However, fortunately they bought a home many years ago that has increased in value. They currently have over $500k in equity in the home.
Review the options available to Sam and Lois to utilize their home to increase their monthly income and/or reduce their financial difficulties. Make sure to discuss the following:
1. Reverse mortgage
2. Home equity loan
3. Sale-leaseback
4. Sale of a remainder interest in the home.
What, if any, would you recommend for Sam and Lois and why?
Provide at least one credible reference in APA format to support your response.