I am upside down in two investment properties (AZ) and have gone into credit card debt in order to keep these properties afloat. I am tired of digging deeper into this hole. I have called my mortgage lenders seeking help with lowering interest, modifying the loan, lowering payments, etc. They said they can not help me because I have not shown a hardship (I have never missed or been late on a payment). I can not continue to pay my mortgages and pay of the cc debt incrued for these properties. What are my options. I am considering skipping a payment to see if my mortgage company will be willing to work with me--what are the ramifications of doing this? I am also considering cutting my losses and foreclosing. How do I go about this and how do I protect my personal home from being targeted after foreclosure? Thank you.