[jishin]

Hi,

I am new here but was reading the site for a week and decided to join and seeking for advice.

1. How the hardship letter plays a role in this process? Do I need to include my proposal what will work for me? If I get denied, how often can reapply??

2. I am consicering short sale but am afraid the lender will persue the deficency from my other asset ( 2 properties have equity in it about 10% although it takes 1 year to sell)

3. My rental income doesn't cover the entire mortgages but should I make even partial payment to lender? will it help or not?

4. when you give the fiancial information over the phone initially, what would be most important thing to include or exclude in order to be accepted?

Thank you in advance...