Remember the KISS principle when it comes to self-directed investing, it will help you stay out of trouble. 

In essence, he says it’s simple: It’s the KISS principle and hefty repetition of the marketing message.2.6Consulting CostsConsulting costs are discussed below.

If you keep reinvesting it in other real estate assets, the stock market, etc. it will grow.  

That is correct, I am lucky in that the unwind of multiple REO's in the area have left some older stock.

I have seen a 1st mtg lump sum settlement and principle forgiveness or deferral modifications exist but they are never something to bank on as they are far from guaranteed to be granted.

She suggested that I be more conservative and invest in the Stock Market...I KNOW, your laughing.  

At least I prefer it to excessive stock market 'wishing and guessing'.

Im planning to pull around 20k out of the stock market, but thats slightly wishful thinking.

Inform them that that if you come across another post they wrote that is actually vote worthy (an extraordinary unlikely event given the quality they have so far demonstrated) you will abstain from voting as an act of principle.

Stock are traded in nano seconds where real estate transactions take many months from handshake to reported data.