Is the only way to wipe it out in a short sale?

I would focus less on the number of 4K and develop a system that allows you to embrace and stick to your desire to stay debt free, that is the one thing I can derive from your posts is that you lean toward debt free; I can guarantee that nearly everyone in real estate during the 08' fallout was wishing they were debt free or close to it, while everyone was pulling their hair out losing their retirement or everything they had because they were over leveraged, a guy who invested debt free was sleeping like a baby and scooping up discounted investments left and right.

We just had a baby 5 months ago and purchased our first home 2 years ago.

I have a full time job working 50 hrs a week and a new baby!

I also bought the home while having a 5 week old baby.

Maybe the first is a small amount and the second wants to foreclose and take the first subject to but does not want to get wiped out due to tax sale.  

It has been a long journey for my baby brother, but now he is on his final steps to complete his application process to become a a Real Estate Agent. 

I've personally never done it, but a good buddy of mine has been successful in doing so and he isn't a rocket scientist OR a trust fund baby.- You want to replace your income.

Especially with all of us Baby Boomers leaving the work force and REI. 

Killing it even when things are saturated....buzzwords baby!