If retention is what you want then a loan mod is your best bet (best chance at a decent new payment and least expensive) and your wife's income is the only one that is "required" to obtain it (assuming she can support one based on the DTI ratios they use).  

Be that as it may, Miami itself packs on significantly more than characteristic excellence, with an unimaginably vibrant art and music scene, and world-class sports groups.

In my opinion, (only formed from what I've read, not based on experience) your best bet is to identify emerging markets and invest there.

If you want to yield double digit returns, investing in real estate is your safest bet.

Now, was Wall  Street to blame, Yes.Were lenders and loan officers to blame, Yes.Were borrowers who had no income, jobs, and horrible credit history to blame for taking out loans that they had no possible way of paying back, you bet.  

Seminole Heights/Tampa Heights is probably your best bet.

As an aside I would be willing to bet that many of the successful investors on BP don't need the MLS but use their networks to find deals.  

However, one of the tenants stays home during the day so I'm betting she will want it warm all the time.

His tone went from indignant officer to long time friend in just a 10 minute call.Some of my past stories: Making friends with the head of University (most hated) parking who ordered my car to be towed.. to where he now invites me over during work hours and buys me food at sporting events.

I realize it is a risk to be a long distance LL but it may be your best bet for low entry price point and high ROI.