It would be for the same exact 20 years I have left, yes this loan was originally modified in 2007 during a layoff in hardship.  

Honestly, I don't have anything to put down and rebuilding credit from a layoff I went through 2 years ago.

Few years ago, when I had to move for new job(I was lay off), I had 6 month lease left in NC.

When prices fall they fall fast and typically a result of some other economic downturn that is also causing broader unemployment and layoffs.

There are still layoffs happening (ex: SAIT, though it's a post secondary school, the economy affects everything.) - Although house prices have dipped a fair bit over the last 3 years, they are still quite high and for an investment property, you will need 20% down for a conventional mortgage.

*There are "extenuating circumstances" exceptions that allow only 3 yrs, but that's only for a divorce, accident, layoff, etc beyond your control and you better be able to document the crap out of the hardship, income loss, dates all match up, etc.I'm not licensed in NY, but if you need a rockstar LO there, PM me and I will connect you.

You can download the robinhood app which doesn't charge per transaction and since you are just trying to invest your money instead of keeping it in your savings you can just invest in some safe slow growing stocks.

I am currently looking to invest a severance package I received from a recent lay off.

Cash via margin through leveraging Robinhood stock portfolio.

If you can't deal directly with people, make sure your agent can.Long ago you could lay-off L/T problems to a Property Manager, no longer, dispute or legal actions go right to the Owner and a 12 year old kid can track down the actual owner!