I was hoping there may be a reader who has access to financing terms below 11% with 20% to 25% down?

Answer to questions:

-It was a business decision(like any other uninsured event*) and Wells Fargo signed the same contract I signed
-I knew the default would take three years to fix my FICO.
-I save 30% of what I make, donate 5% and and work 6-7 days a week

* Ask your self if you would you hand the bank the property if you had a mud slide, sink hole or uninsured catastrophic earthquake