Reduce the home price and try to do a short sale. Sounds like you have an good hardship case, to begin with. It will take some time, persistance and patience. It may be your only way out unless you have the money to bring to the table for the difference of what you owe. Have you investigated anything with your lender or asked for their Short Sale Package? We sometimes us a 3rd party to act on behalf of the Realtor and Seller. They charge a fee which is usually paid by the Lender. Good Luck!
Jim Soda 941-809-7759
Prudential Palms Realty
Sarasota-Lakewood Ranch-Longboat Key