Hi Safford,
Welcome to the forum and thank you for joining.................
I wish we had the "magic number" that the investors are looking for too.....then all members could be approved.....what they are mainly looking for is that you can afford the house and not just the mortgage..........
Here are the contact numbers that you would need to get started........they should also be able to go over the financials with you since yours might be a bit difficult to get together.............you should be able to use the figures that you put together for each of the modifications..........
Good Luck on the modifications............

and keep up the great work that you do..........

Please keep us posted on your progress...........
ASC ART Team
1-866-398-7569
AHMSI
Jeanne Drake-VP Home Preservation Dept.
Direct: 1-949-784-6011
Fax: 1-866-642-4196
IndyMac
Eric Friedman
SVP, Loss Prevention
Default Risk Management
Phone: 1-512-250-2776
Fax: 1-626-432-8802
Select Portfolio Servicing
Loan Resolution
1-888-818-6032