me & wife have loan mod, 1st residence; M-I-L has own duplex res. w tenant & lease; foreclosed, got loan mod, then she died b/f signing, Affidavit of Heirship filed & wife only heir. can wife do loan mod on MIL res.? A rental loan mod? Claim as primary, & abandon current loan mod? residency requirement? 2 loan mods at once? only income mine + rent $; start app as rental or primary? separate primary residences?