Hi empcesar,
Welcome to the forum and thank you for joining............
If you are showing a large deficit than you may need someone to go over the financials with you and put together a budget that will help you with a modification.
You can try NACA for this as they can help with that and putting together a proposal for the investor if this is your principle residence..............
click on the link for the info........
https://www.naca.com/refinance/refinanceTenStep.jsp