I kept my house by moving another family in who had trouble paying the rent. I was not social services. I had to sell my house in a short sale. I had to declare bankruptcy fighting them in court. Never would be a landlord again.

@sassygirl3869 I am having to sell this house, I am in a different position. I live in a destination place, beautiful and a great place to retire. That is why we are here, to retire, well to work at a job I love while Kate plays at retirement. We started living here sharing the mortgage with Kates Mother, who moved away after three months. As long as Kate had a job all was well but then the 2008 hit and all hell broke loose. Since then we have not been able to afford to live here, but in robbing, peter to pay paul. We live between downtown and the local hospital, so once it goes on the market it should sell fast. We have to go somewhere else - at this point that is our problem but there are options. We will come out of the sale with some money, we are hoping for what it appraises for.

@dalefvictor -I had a balloon mortgage taken out before my cancer. I never caught up being on disability for 7 years. So sorry for your situation.

@sassygirl3869 It is ok we have known for some time we would arrive here. I just hope we can get some land and a small manufactured home to put on it.

Thank you. I mentioned this term in my comment. In Germany the term is simply 'owner.' To me this is something pushed by the heavy handed property rights people.