Most TPA's charge based on the assets, the value of the account, or some combination.

I suppose I could just buy the house right behind this land and combine the two and rebuild a nice, big house.

Banks have gotten wise, so, the lender would have looked at your combined income and the new and existing payments, and only OK'ed it if you could handle both with no income.

You can't combine your hours and your wife's.

Seems that every combination of the words investments, real estate, property and such are taken....

Don't know why they didnt combine liens at the auction and get full amount back.

You need a lease and an option contract.You can combine the 2 and make it a powerful strategy.

thank you Sonny,that is something we will surely look into. if we could reduce our payments just long enough to sell our properties, we would be okay, i think.it's looking like we wii try to sell both, as long as we can capture $40 grand out of the combined equities and buy something cheap for now.

You (two) will be able to use that if 1) you actually have passive losses on the rentals, and 2) your AGI (for the combined, married filing jointly return) is under $100K.

Use free services on the net like Zillow, Trulia etc.Or a combination of all of the above.