Hi mthomas,
Welcome to the forum and thank you for joining..............
You have a very low fixed rate loan.............if the investor is either FannieMae or FreddieMac on those loans..........
In order to modify using the Streamlined Modification program, it would have had to originate before Jan. 1, 2008......your loan is too new and you have not had a steady payment stream for 12 months, which is what they may look for.
You can try NACA and see if they may be able to help.............they can go over your budget with you and help you with the financials on the primary residence............
click on the link for more info........
https://www.naca.com/refinance/refinanceTenStep.jsp
You should concentrate on your primary residence...........but you also need to see exactly what is taking up $3200 over 57% of your income in expenses and try to work on that ...........