Hey, thank you for the suggestions, but I had already tried that.  I tried it again in case I missed something, but it still didn't work.  Something funny was going on, so I took the steps below and figured I would share to hopefully save someone else some hair loss. 

Luckily I had made a copy of all the files in my DMD Roaming folder.  I pulled a backup file of my wallet and renamed.  Then deleted all files and put in folder with diamond.conf, masternode.conf and folder backups

Restarted wallet and coins are back!  patted myself on the back and happy i had a copy