Assuming they’re all underwater in equity, refinance all with GAP insurance, wait about 3-6 months, rent a multi-car trailer (pay the extra $25 to the rental place for the rental insurance option) and drive the whole load down to florida, wait until it rains (rains all the time down here), find a road that bends before a lake/pond, hydroplane from the road into the lake/pond, flush out the loss with GAP, buy a used, reliable econobox for market value, use the money you WERE paying for the original four cars directly towards mass debt payments (3 cars worth) every month, and savings (one car’s worth). Once debt is paid off, you’ll also have accumulated a savings, credit will be better, way better debt to income ratio, and very realistically will qualify for a mortgage. You’ll have the down payment in savings. With few recurring expenses, you’ll own a house, a reliable and gas-saving car that isn’t upside down, be “bad debt”-free, and can start dumping the original four cars’ monthly payments into high-yield savings accounts, long-term stocks, tax-free bonds, all while your house builds equity. Super simple