I do not know of any lender that will lend money to a 115% at this time, unless you have FICO in the 700 +.  Investing in another property is probably not an option with your current debt. Selling part of your house is a "loan". What person would lend on a property as a lien in 3rd position knowing that they will be the last to recoup their money in the house if it goes into default?