[Moe Bedard]

I would definitely try to do that first, but remember it will be VERY difficult to get any help before you are late. Some don't ever get help if they are never late. It will be your call to see how much money pain you can go through before you must be late to live.

A have seen many modifications on rental homes with negative cash flow as hardship coupled with other hardships. Most often these borrowers were in foreclosure and represented by a lawyer because they were non-owner occupied properties and those are much harder to process as opposed to a primary residence.