I currently own two properties in Dublin. Both are rented out. The monthly repayments are €3,700 in total and I receive €2,300 in rent. I'm living with my wife in her property (2 bed apt). I'm earning €4,500 a month after tax. I currently discharge the mortgage on my wifes apt (our family home) as her business hasn't been great for a few months and she hasn't earned anything. This is €1300 a month, along with all of our living expenses. As you can tell, things are very tight and we're sinking into debt. My wife is currently pregnant with our first child but we're at our wits end with our financial situation. My wife's income is likely to be sporadic over the next few years. The negative equity on my two properties amount to around €210,000. I think the best option for our futures is me declaring bankruptcy. However, we won't be able to live in the 2 bed apartment forever so we're concerned about our future housing. Please can somebody advise?...