Best of luck to you!
In order to consider you to participate in a short sale, the bank will want to see the property actively
marketed on the mls for sale. Your Realtor will then guide you with the next steps.
Remember, short sales require time and patience.
Best with your sitiuation!
Licensed Realtor in NJ and GA
I know a few good realtors in New Hope if you want a recommendation.
Have them do a CMA to determine Market Value and price it below that.
If you have positive equity, don't worry about your Lender or the Hardship.
Good luck and may God bless