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You can access 2% if you are clean on a lo doc (which you are, unfortunately, not) You can access 22% if you sell You will probably be able to access 0% if it's sold for you You mentioned in your first post something about private funds... I work for one of those private, lender of last...

90% lo doc is very hard to finance, let alone with arrears. Hate to say it, but sell before the decision is no longer yours to make