I held them until I figured out what was the best move for my future.Turns out the answer was in my face the whole time.

I'm saying this as a caution to those who think subprime caused everything - in reality, subprime was the catalyst (ie, COVID today) and as the equity disappeared, people defaulted in droves, as soon as it became Socially Acceptable to do so.COVID essentially just gave everyone a free pass to default, and not be embarrassed. 4th qtr 2021 is the concensus, among those I still talk to regularly in the Default Servicing space(I used to own a mortgage lender/servicer company, back in2007, got out with my skin but barely.

About 5 years ago we drove through there and barely made it one street in, it was pretty rough.  

Lets face it, you wouldn't / shouldn't be able to generate "extra" equity because it wouldn't appraise. 

How can I tap into the equity of my land for a down payment on a house? I have land worth around $80k and would like to utilize the equity in the most efficient way. will banks let you borrow against your land equity? 

You either need to cancel your reservations, which will tarnish your review status and profile, or even worse, face eviction if you don’t comply.

Lets face it --- yes, you can find and purchase a home all by yourself. 

Second if they say they barely sleep you’re in for trouble.

I've faced a similar dilemma over the last couple years of whether to save up and pay cash or mortgage up.

I have experienced several occasions recently where I am faced with the decision to spend the money to repair or replace the appliance.