i am new member and this is my first posting. I wanted some advise on those with similar situation. Just lost my job, so wife is the only one working. we have an investment property that is under water. bought for $350K and it is now valued at $150K so cannot refi and cash flow is hurting. I would like to pursue a loan modification and would like to know what is it that wells fargo is looking for to qualify. your feedback would be greatly appreciated.