There goes that option

I'm trying to do a cash out refinance on my home and just got the news that the appraisal came in too low.

I need to pay my soon to be ex-husband 20k for our divorce settlement. I don't know what to do other than take out another loan if I'd even qualify and I already feel like I'm drowning in debt.

I don't know what to do. I think I'll need to sell the house and I'm feeling a bit crushed.