Australia

Man I have issues with this. Your intentions are right and think you're in the right mind set with trying to sympathize with people, but you own TWO homes and complaining about not having cash. Sell one, don't be a landlord and start investing your money into one property. It's silly to me that you are two people earning money, with two homes financed, one if which is generating extra income, and are talking like you're single struggling to even find a place to live when everywhere is priced out, all because theres people with multiple houses trying to make a living off of the backs of others. I guarantee someone would love to own a first home let alone a second. Sell your second house start living within your means.

Of course I don't know you, you could be renting it out to a group of homeless aids riddled children, but something tells me that's not the case. There is something that doesn't add up with your situation in why your struggling so much and you should re check your finances and spending habits.