The FHA Home Affordable Modification Program (HAMP), can help you avoid foreclosure by permanently lowering your monthly mortgage payment to an affordable level.If you have a steady income and think you will not need this option you can switch to conventional mortgage as the 0.7% interest difference will help you save money on interest payments.  

Stain (boring)However, this is a large house in a gated community with a very finicky HOA about making modifications to the original build.

This would be the easiest way to do the first one.If that’s not an option then the process would be to find a buildable lot, put it under contract contingent upon ability to build what you want, choose a builder that has stock plans that will work or need minor modifications or design a house custom for the lot. 

It appears as if they can require you to get all the neighboring property owners’ consent for ANY exterior improvement, modification, addition, etc that requires a permit (i.e. a fence, spa, roof, porch, steps, etc) - even when these things are in your private backyard.

Lending after all loans are in good standing due to a loan modification or paying off the outstanding balance?

I purchase the dual zone for $1400 off of Ebay and paid a commercial A/C Tech $1000 to install including electric and some other modifications

Many people will get back on track likely due to stream lined modifications, but for those who remain unemployed or got pay cuts, and can not pay their bills, the inevitable is foreclosure proceedings beginning.

My challenge is still the lack of w2 income and turns out my modification loan on this property I did back in 2010ish has a lien associated with it.  

If we are headed towards a modification I usually step in during the proverbial 8th or 9th inning to close the deal and any final negotiations.

The balloon payment came due this November so I worked with the bank in an attempt to do the following: 1) put in place a loan modification to refinance; and 2) open a significant equity line (to fund the purchase of my next investment).