The only way you can break that log jam right now is severely lowered fed rates, but the level of federal debt is such that they're in a no-win situation because there's going to be little appetite these days for buying 1% fed notes from overseas.The fed rates were kept too low for too long.

Hello Taylor,           I have been in a situation and done deals where a friend is a realtor and although I found the deal, had to go through my friend as I already worked out an arrangement. 

I just wanted to make sure you were aware of this situation.  

I was saying his current situation is zero income.

Feels like someone with political clout needs to realize the situation and start investigating delays and failures.

Yes to everything @Nicholas L. said and also know your financial situation and have your finances in order to present to a lender.

Do you suggest that I use them as guarantors for this situation?

Hey Stephen,I’d strongly consider doing a cash-out refinance in your situation.

To improve cash flow and manage your current situation, here are some potential strategies:Refinance for Cash Flow: Refinance your properties into long-term fixed-rate loans to reduce monthly payments and increase cash flow.

While I don't know your family situation and if moving is a possibility for you, but you may always rent out your current home and move into the newer one with FHA loan (putting 3.5% down).