As Wayne mentioned, we don't know your numbers (or your loan position, come to think if it) so if this is really 'equity-challenged' you might consider selling your note or swapping it for an asset with a different problem.

To those ends, I would very much like to get in touch with like-minded realtors, who are technologically inclined and would like to swap ideas.Any advice would be greatly appreciated.

The OED’s earliest citation, from 1892, is in Dialect Notes, a journal of the American Dialect Society: “To trade knives sight unseen is to swap without seeing each other’s knife.”

'the paper swap'.

The building is 15 years old so most of the infrastructure will be in the 1/2 half of it's life... hot water heaters, roof, furnaces, and appliances will all need to be swapped out in the next 5 - 10 years.If it's been on the market that long, the bank may be a bit flexible.

@Rich Weese (I don't know how to do that link thing on the users name) - Whether we ultimately go down the VRBO path or not with our home, I might be interested in swapping with you for some time in Cancun.

What happens, after it being on the market FOREVER is a rehabber grabs it, swaps out those three items, makes the yard a little nicer and kills it.

The program that I am thinking is - Obtain a conventional 1st mortgage (I'm pre approved for 8 more) Use existing money for 20% downpaymentAfter a few weeks of closing swap out the downpayment for a 2nd RRSP mortgage.I am told that TD no longer does RRSP mortgages.

Each model has its merits depending on what needs to be accomplished, and we can swap examples on merits of each until we are blue in the face.

For $15-20 and 5 minutes, I'd swap it out and play nice.