The hardest part is to find someone you trust to evaluate your situation and tell you the upside and downside honestly.
For some people they are an ok last resort. Can’t lose the house because of it while you are alive. With home values falling I wonder how many lenders really want to get involved with them however. Not a big fan of those people that seem to indicate mom and pop should live in poverty with Medicaid just so kids can inherit a house. Most lenders (including Fed backed)have a requirement that both spouses be over 65. Under Texas constitution/law only one has to be over 65 (lender can still require both over 65). So in Texas you could at least technically have a reverse mortgage with one spouse being 90 and the other 18. Could be a long time before lender collects.