We went to a credit councelor type place (green leaf) to try and work something / anything out with BoA so we didnt lose our home.

So tomorrow I expect that you will do something that enables you to cross off at least two things. 

Something else to cross of the list of things to do.Thank you Brandon; I appreciate the reminder and realize this is an ongoing conversation.

Apartments at 40K a door would be up scaled somewhat, coming closer to 2%, but I'd disagree that "all" apartment dwellers would not go to a lesser expensive SFR, they certainly do, especially first time homebuyers and tenants that want the "Green Acres" life style.

I'm still pretty green at this but I'm trying to be as effective as possible.

Fingers crossed!

Only absolutely green and dumb agents would show someone around that has no money.. so it would be the blind leading the blind and your both deserve each other.that said..

Love paneling , add some lime green and orange shag carpeting  ( the real long stuff) , throw up a couple velvet Elvis paintings , lava lamps , and a black light and that place will sell quick.  

Thanks for the education, you can see I am green to all this but eager to learn.

Nervously crossing my fingers. :)