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Boring answer but with the 1974 built house I have that 20k disappears into the renovations void.
Take your pick: furnace, central A/C, driveway repairs.
I see your 1974 and raise you a 1931
My rented house was built around 1900 and I can see into the unfinished basement through a small hole in the floor by the front door. I'd still use that 20k for a down payment to purchase it.
I'd buy it as well. That 1900 house - AND the 1931 house were built with virgin lumber and chances are no drywall, but plaster and lath walls. Solid construction and NO modern building supplies outgassing chemicals.
There MIGHT be lead paint and asbestos pipe lagging insulation, but both can be dealt with in a pinch by encapsulation until you get the funds to have removal.
Yep it's all lath. Can be a bitch but it literally took a 12ga buckshot blast with no damage to anything on the other side.
Thick solid wood siding too.
That is SO glorious.
I've been in the trades since 1980, and I won't have a house built after the mid-80's. That's when the last of the mature timber lumber supply ran out. Now homes are built with selectively bred loblolly pine that gets 30 years worth of growth in 20 and it's light like balsa. It's garbage and part of why so many developments and new homes put up since the mid-90's are now falling apart. I see SO much sheetrock slips, cracks, nail pops and settling it's scary.
The list never ends yours is just longer 🤣