So you want more debt? You don't get it do you? You don't have equity... Sell the d... thing. Do a short sale and take your distance from your dream. Fortune Magazine predicts another 20% drop in 2009 and another 8% in 2010. Who will lend you money in a declining market when you're already behind on your first? Cut your losses, limit the damage by settlement such as a short sale and move on with your life. That's the honest, blunt reality. - MonkeySold