They haven't stopped since.

Anything over 100% is paid by the lender to the borrower.

Any late payment affects your credit score which is extremely important at borrowing time.

So the madness had to stop.

As a co-borrower or anything that can be suggested where his credit has some value by virtue of being able to get the other partner a better loan.

The important thing is to stop all the financial bleeding that you're now experiencing via payments and fees.

if you live in it after buying it at market value - okay, you do some improvements and it increases in value - good - now don't keep dumping money into it - STOP.

Yeah they are in it to make money and loan after loan...but I see alot of lenders closing shop too because they made bad loan decisions extending credit to borrowers who really were not ready for home ownership or being an investor.

Sometimes half the page will load and then abruptly stop.

I've been reading non stop about all areas of real estate in order to educate myself as much as possible before I start an investing career.