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Taking others advice, I am anticipating probs. with paying my 1rst (Wells Fargo) in 3-4 months and have put my property up for sale. This is a vacant rental property in the mountains where no one is buying . I have a LOC (US BANK) that I can draw upon for the next 3/4 months to pay the 1rst if needed. After that, if I cannot get another source of income, I will not be able to pay the 1rst ( I really want to dump this property as I'm moving). Coincidently, I contacted my 1rst and told them I will have payment problems in the near future and asked them about a DILF . To my delight, they said I am already doing the correct thing by selling it. After 90 days, if I cannot sell it, I can apply for a DILF. Should I continue to pay my 1rst with my LOC while the 90 day period is expiring?