Upside-down Refi

[Joel C.]

I know the mistakes I made.

Looking forward.....

3Unit
non-owner occ.
non Freddie or Fannie
1st mortgage ~$225K 7% 30yr fixed
2nd ~$79K 8.125% 30yr fixed

Will appraise for ~$225K

$2650/month gross rents

Not going to walk away at this point for many reasons.

At very least would just like to get the rates lowered.

I have tried to talk to the lenders many times. They deny me because I have [u][b]always paid on time and have a good W-2 income corporate job.

What are my options?