The mortgage bailout help?

I bought a house two years ago at the market top. According to rough estimates, Zillow, and donors, without any real assessment, I lost over 80k on the value of my house. I an effort 80/20, and now im Interest Only 6.875% of 80 and 20% of the MRA, which is less than 5.5% today. Road is 10.5%. I have an interest rate of 4.5% fixed locked when I re-fi, and down to 90% loan to value ratio using my VA benefits. I would have to re-fi 110k. This is not me. I have not missed any payment, but on paper, my mortgage payments are about 54% of my gross monthly income. I rent my extra bedroom to come, which will contribute significantly, but I do not want roommates for the next 28 years. I do not know the details of this shit and I do not rescue even as the idea of bailouts. However, when I get my tax dollars to actually benefit me for the first time I’d be happy to bail. Within three years of my 80% loan will adjust and my payments increase significantly. He does it every 5 years thereafter. I did not bother to make their payments, but if I do not have tenants, it will be very difficult to find, especially after the adjustment. who knows what will my loan of 20% if interest rates begin to rise. Do you know anything, and bail if it sounds like I am eligible? Please do not mistake me one-on-holes, who bought a house in a crappy credit and no income. I bought a house with a friend, not realizing the market crash, or the separation of six months, we wouldnt be friends anymore and I am solely responsible for any of the house. I have great credit and make good money, but since I bought for his friend, he saw a few years, its implementation and to sell rather than throwing money at least rent, now I’m stuck in a rather crappy.

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