We have accrued a sizable equity of over 60% of the value over what is owed , I am steadily and securely employed and make a very good wage that with this would give me the opportunity to restructure everything to be manageable and allow us the time and ability to rebuild our credit and reduce the stress that this pitfall has caused and is not any help to my wife's health.

UBIT rates escalate quickly, but I personally don't stress it.

I biggest thing I can stress is to continue to take massive action.  

I get disability for post traumatic stress disorder related to my service in Iraq.  

It changed my view of money, society and life forever!

So, I think that we were all born with the abilities, but that our growing up and society and peers shape us in such a way that we may not have nurtured certain abilities and thus they have atrophied. 

Let's say you put your goals on paper (for ex: I want to make 60K this year as a wholesaler), and you work out the numbers (that means 5K per month, which means ## deals per month, which... when I back it out... goes to ## phone calls) then you don't have to stress when someone tells you "no" because you know you're hitting your numbers and the next "yes" deal is right around the corner.Do you know which aspect of investing (wholesaling, rehabbing, etc) you want to focus on right now?

Its a liability guaranteed to create losses to you along with wasted time and stress...

She now has about 250K and we have a lot of equity in our home so I am not under a whole lot of stress.  

Grinding down to the bone and stressing yourself out will just be another feat in itself IMO, but what do I know?