Well, that's a tough one! There are rehab loans available through the URA (and perhaps HUD as well), Sometimes they have to be in specially zoned areas as well. Presumably you bought it either with cash or an unsecured loan: before you got sick, when your credit was still good. (It's hard to finance properties needing total rehab with conventional loans.)
I would call (or stop in) to the URA: www.ura.org. HUD is www.HUD.gov. Their rehab loans are described under ura.org/homeImprovement.html. Hopefully they can help you. Some of them only apply to city properties, so if you're in Mt. Oliver you couldn't use those.