You are probably correct in your assessment of his housing situation and he will probably end up in foreclosure before it is all over. His reality is he is also in an unhappy marriage with a controlling wife and just had a second baby (a whole nother topic of men making bad choices). His life sucks and we here at the office get to hear all about it everyday. So, he will probably end up losing his house and getting divorced. I will try to make myself pity him instead of despise him….naaah, can’t do it, he is an idiot and I just want him to stop talking to me.

On the flip side all of this CHAOS helped me buy a house and refi into a lower rate.