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@HigherFico wrote:
Okay thanks. No we don't walk away we are going to rent it out actually. We just want to be able to have a larger home so we have space for our family.
If you are concerned about managing a property, look for a management service to help screen and take care of issues that could cause you stress. A friend of mine uses one locally, and originally she started out with a home that wouldn't sell, and now has ~10 properties she has the property management company handling. She's been really happy with it and initially didn't want to to deal with renters at all.
I just want to caution you from all your posts, it sounds like you guys might be treading water. Renting another home is going to be even more expensive and spreading yourself more thin for space may be good for your sanity in the short term, but likely will make the rest of the situation worse.
Talk to a mortgage broker about renting out one property and getting a mortgage for a new residential home under your husband. If you don't have a downpayment, this could be not feasible, but I'm not sure of your situation outside of the poor credit/credit seeking behavior you've mentioned.
You might also want to talk to a debt counseler/credit specialist to see what you can do to start tackling your credit history to work towards a more secure financial future.
I wish you the best of luck and hope you start turning toward a brighter chapter.