How to pay for AL

Mom was diagnosed with vascular dementia 1 and a half years ago. She has been in AL about 6 months. She has enough money now to pay for 1 more year. We have been to the lawyer and I have DPOA, she made a will, a living will, a medical POA and a ladybird deed (at her death the house goes to my brother and I and there can be no Medicaid estate recovery. She should qualify for the Medicaid waiver when her money is down to $2,000. I was told I can’t apply until she is very close to the $2,000 asset requirement. I will have to cash in a small life insurance policy for much less than the death benefit. Between the waiver, pension and SS she will probably still not be able to cover the cost of AL. AL said they may be able to write some of the cost off, but would have to wait and see. My brother and I would be responsible for the balance along with any cost involved in keeping her house( property tax etc.). Depending on how long she lives we could be paying more money trying to protect our inheritance than what the house is worth. My brother is extremely worried about his inheritance. If my brother gets laid off or looses his job I’m not sure I can cover it all( I’m retired). If the house were sold then all the money would go to her care and my brother and I would not recoup any money since I believe any repayment would be considered a gift. It’s possible (probably not likely) AL would write it all off and she would owe nothing. If we apply for Medicaid and then decide we can’t afford to pay the difference out of pocket we could either move her to a different facility that accepts waiver as full payment or sell the house to cover her care. If we decide to sell the house to cover the cost of care we will have very little time. The house is full (working on an estate sale now) and needs lots of repairs(Im on my own there) . A house doesn’t just sell overnight. The house would only cover care for another 2 years(depending on the level of care she needs). How do I pay the next months AL bill if I can’t sell the house in time? Again this is all last minute because we can’t apply for Medicaid until she is close to qualifying and we will have to wait for AL to make a decision. If we end up selling the house and not accepting the waiver we will have cashed in the life insurance for nothing. We live in a rural community so our AL options are limited. The one she is at is one of the nicer ones and we still haven’t been impressed with the quality of care. We may be able to find an AL that would accept the waiver as payment in full, but I’m concerned about the care. We would also have to move her and find a new doctor (she uses the facility doctor). We could just sell the house up front without even applying for the waiver, but AL may have been willing to write it all off and we would be selling the house for nothing. How can I wait til, what seems like the last minute, to make these important a decisions? To make things worse my brothers take on it is well let’s just cross that bridge when we come to it.🙄 Why does this have to be so complicated?