I'm no expert but I might want to talk to my tax person and find out what benefit I could get by taking a loss from a short sale at current market value. Or, if you have enough reserve cash or income flow and want to try and wait this out, worst case. It's a bad situation none the less. There are many who are in your situation I'm sure. Lots of people bought in at the height of the market or somewhere thereabouts. Whoever thought things would go South like they did. I don't suppose there is anyone else with any suggestions but you never know.