[QuayzyCrazy]

I have an additional question. Our family has always helped us in making these payments. Unfortunately, due to circumstances they will reduce this amount substantially. And I'm totally underwater with these 2 properties.

I want to do all these calculations like DTI, etc. When I'm asked for household income, if the loan is under my name, are they asking for my personal income or also for my husband's and mine and any other family contributions? Here are what I understand my income numbers are again:

48150 my new salary after paycuts
1000 approx monthly husband's income
1400 monthly contribution from family side
1300 monthly contribution from husband's family side

Unfortunately I was recently told that we will not be able to get the contribution from husband's family side anymore, so that puts us on a worse shape. We lost all the equity that we had. Right now my calculations say that our LTV in Property A is 136% and in Property B is 122%.

If the Front end PITIA target is 31%, I just don't see a way out. Am I totally suicidal with these numbers here?... What am I missing here?

Even if I doubled my income, my numbers don't seem to work or have a positve outcome and even if I reduced my credit cards debt to 0 it seems that my DTI is too high. Does that mean that I don't have a chance to be considered for refinance at all? I don't get a positive number. I'm trying to access that FDCI excel to calculate all this but apparently that web site is not working. Please clarify...