Yeah... Been there! When I was wiped out by all the illegal doings of the so-called "credit crunch" in 2008-9, I lost two houses, my studio and over $820k... It took me two years of living in a 9'x10' room at a friend's house before I could earn enough to even declare bankruptcy! Although I was required to sell everything (you're only allowed to keep $300 worth of musical equipment), I did manage to squirrel some things into storage, so I was in the same boat as you for a while, but my current storage unit is actually covered by my car & renter's insurance (about $70 / month). I feel quite fortunate about that!
I had to sell one of my custom guitars (to Space Cowboy, another of our lost members... R.I.P. Bo!), but my luthier "bought" the other and I should get that back eventually. After ten years I only just bought my first new bits of gear this month! It's a long road, but I hope things turn better for you soon Keni!