As the market began to slide three years ago, my wife and i began to sense that we were losing our alternatives. As people lose the value they always believed they had in their homes, their options in the incredible to qualify for loans begin to freeze up actually. The worst part for us was, that we were in real estate business, and we saw our incomes begin to seriously drop. We never imagined we'd have collection agencies calling, but call, they did. Your market end, we needed to pick one of tw...