Let me know what direction you are looking to take, we may be able to help.

Did it make a noticeable difference, or would you suggest other options like credit counseling or negotiating directly with creditors?

But just to be direct:-you don't appear to allow dogs. 

I'd be happy to chat getting you going in the right direction!

I see it time and time where a borrower tries to save on points, they go direct and end up falling out.

I'm really looking for a creative way to keep the mortgage but still buy-out my partner.

Then you have to think about 401(k) and IRA savings, which longer-term once your balance is built up, you can use a self-directed approach whereby you can use the funds tax-free to invest in rentals, private loans, etc... 

@Jay HinrichsJustin messaged me directly on BP.

@Priscilla Chin, while I know NYC has its issues, I am curious how many that talk about how terrible it is actually have direct experience to back that up.I will let @Jay Hinrichs break down his experiences with the dead, liberal, HCOL market rentals versus his OOS, LCOL, landlord friendly rentals.Admittedly, I am a big proponent of local investing.  

Is it possible to do rehab remotely by working with contractor directly without property manager?