You would not necessarily have to give the rental home up.. rather you may have to pay a higher percentage of your unsecured debt back if you wish to keep this rental property. This is something that the attorney who works up your case can tell you for certain. It is possible that if you would be required to pay a higher percentage to unsecured creditors, up to 100% of their claim amounts, and you cannot afford to make the plan payment then you would be expected to give up the house in order to have a lower plan payment. This may not be the case though, a lot depends on the amount of equity in the house.

Consult another attorney and go in with a list of your questions, and make sure you get them answered. Many attorneys will "herd" you through because they figure they are giving you a free consultation, and they don't want to spend more time with you then absolutely necessary to get you to sign up.