bankruptcy discharge and owner financing

My wife and I own a primary home and a secondary home. The primary home was owner financed (contract deed) for $231000 after almost 1/3 of home value was paid for up front(original price $314900) . We financed the home on 24 months owner finance contract, with a balloon payment due July 2013. Our second home is vacant (investment proeprty) and its clear and free of any liens. Its worth $80,000. Currently my credit score is about 636 and my wife's is around 540, due to both of us going through a divorce prior to getting married again. We have over $140,000 in equity between the two homes, but are having problems getting one single loan to refinance main home, or getting home equity to consolidate current debts to bridge us to a date where we have both houses sold and can downsize to a cheaper (but not necessarily smaller) home with a lesser house payment. Some banks are stating my chapter 13 discharge date of 09/2011 is too close to application period, others are saying debt to income ratio is too high for $231,000 refinance loan based on my income alone (because I cant use wife's income, that is new). All I want is a $58000 equity loan to get my debt ratio down and to give us some breathing room until investment home sells within the next few months. This equity loan and eventual sell of the 2nd home would reduce my debts by 15% and rid us of all bills that accompany vacant property upkeep and insurance. (we do not want to go back into renting any property due to the short terms and liabilities).
Question:
Is there any way I can take advantage of this investment property's equity (in our current credit situation) to bridge a gap to the 2013 main home loan deadline??
Thanks for your sincere help!