I have 4 rental properties (almost all under water) and my principal residence. I am concern about one specific property in Gilbert, AZ as my loan is due to reset in a year. I will not be able to afford payment at that time and I have been trying many times to call Chase and ask for a modifications. They always respond that all modifications are for principal residence only, not investment property. I am paying my mortgage on time and my credit is excellent. All I want is to get a fixed affordable rate but they will not even listen to my request. I seems like some people did get a loan modifications on an investment property with Chase in the past.... Do you know if they really do not consider investment property and if they do, how to approach them positively?