It should be easy since you've already adjusted your expenses to pay down the debt.

I've learned that lesson the hard way and have had to adjust to weed them out as fast as possible.Kudos,Mary  

Adjusting to the new reality of normalcy will be a painful process.On the one hand, Federal Reserve officials, Federal Government officials, many Wall Street executives and salespeople, believe it is "necessary for our economic security" to return to that place of easy credit.

Ive started this project where Im helping people stay in their homes, rentals or personal (if you have any questions about that feel free to contact me) as well as help them with their adjustable rate mortgages.

If its bigger, you adjust the selling price down. 

On an average, the properties I sell go for under 100K so that 7.1 mil is the hard way :) If any of you work with REO properties, you know just how paperwork intensive they are and how much time you spend at your desk instead of out selling.

I look at 20% atleast for COCR, but you may say 30% is the minimum I need or 30% is not happening in my area so you will adjust your numbers as you go.Feel free to PM me if you have any questions.

I think what you will have happen if you try and adjust to save money, would be finding unreliable people and causing you more headaches.

I will always adjust to comply with the rules and regulations.

This is very time intensive but I can't tell you how many times I have been given bad information that could have been catastrophic if I hadn't verified it. 2.