prman -
I just read a post *** made on a recent thread - she may have missed yours and I may have steered you wrong. She said...
"Hi simon2020,
Welcome to the forum and thank you for joining................
Countrywide is modifying investment properties too...........the modifications given are up to the investors on the loan so you would need to contact
CW and see what modification options the investor on your loan will allow............"
... so perhaps you may be able to do something with that initial home of yours. Good luck.