The best choice is the choice YOU make.
What you need to do is take the time to sit
down with the appropriate "experts" to explore
your options and see how they meet your
future plans. Those experts would be real estate, tax and legal.
What happens if you keep, what happens if you sell?
The first question is can you sell your home? Do you owe more than it's value?
If so, are you eligible for a short sale and would that be something you would
want to do if you might be eligible?
If you do a short sale, what would its impact be----tax, legal and real estate.....
. and would that be ok.