Thank you both for your responses.  My situation is that I cannot afford to keep the house I purchased five years ago.  I cannot sell it in the current market and if I rent it, the rent will not cover the mortgage payments and I will be negatively gearing, paying out $600 per month plus rates, water and insurance.  My only hope is to vendor finance the sale.  I am madly searching for and reading information and I realise there's a lot involved, but I simply cannot afford to pay for a course at this point.  So if anyone can give me any more information I would truly appreciate it.