Dad, I care a lot less about getting an inheritance than I do about you having a reasonable quality of life and the ability to enjoy the years that you have left on this planet. You're about to turn 75 and you still work constantly. I know, it's hard to step back when you literally live at your business. I know the phone is always ringing. I know people are always stopping by. But you don't have to answer the phone or let someone popping in derail your day, so that you feel like you never have enough time to take care of the important, large-scale decisions that would let you make a meaningful change in your life.
I will help you with that, if you want, but I will not help you plug the holes that are keeping the ship afloat right now. It hurts me to see how much that hurts you, but your lifestyle right now is not sustainable. You say that you don't enjoy the hustle anymore, and Dad, you have hustled harder than 99% of the d-bags in rap songs for the entire time that I've been alive. You have earned the right to take a step back and not be so incredibly stressed about money every day of your life.
I'm proud of you for putting the farm on the market--but you've priced it so high that no one is ever going to buy it, unless your county does a complete 180 on zoning and land regulation. There are too many rich, influential people who want to preserve the status quo right now for that to happen anytime soon. Do you really think you can still be doing this for the 10-20 years it will take for the zoning to come around? Just fucking sell it to get out from under the mortgage payments that you say are killing you. If you sold it, you would still almost certainly be able to carve out a parcel with a house on it. No, not the parcel you say you want, where you'd have to clear out forest and build a new cabin--the parcel that already has a small house and a small barn, with a small, income-producing apartment above it. (Also, you now own an RV, so you don’t even need land anymore.)
Even with the zoning, you can sell it for enough to clear the mortgage and have a cushion. So put it on the market for a non-magical number, clear your $20k in credit card debt (that you have from keeping the farm afloat and your congenital inability to save for emergencies), and live on social security and your $30,000/year pension.
In conclusion, sell the fucking farm.
Thanks for the space to vent. I've re-read this thread a few times and it's been really cathartic. I'm visiting the farm this weekend and bracing myself for emotional turmoil, since my dad just turned another year older without making any progress on...anything. Also, shoutout to the mom (parent are long-since divorced) for being the OG frugality rock star and enjoying the fuck out of her well-earned, cushy retirement lifestyle of fancy gym classes and lunch with the ladies.