I do not feel you will have a problem. Just continue to pay your mortgages on time, build up your liquid assets such as savings account balance and accelerate the pay-off of your primary residence to escalate the recovery of your equity. Then call me.
Over the past few years, I have given a solid guideline to home owners recovering from income curtailment and distressed modifications on their primary residences.
Carrington Mortgage Services
Direct at 310-567-8938