The first question should be "What is your ownership interest?" If it is a lease, it may contain some contractural provisions that address your question. If it is a Fee Simple (you own all the interests in the property) then the advice you received so far is correct. If that is the case though. Hawaii has a "distressed property clasification" you want to keep away from. By way of example, if your AOAO fees are 60 days or more past due and they MIGHT file a lien or those dues are 90 days or more past due notwithstanding the imposition of a lien, then no realtor can do much to help you (there is an amendment in the legislature right now to change that).
Even in today's market, homes are selling. The broker frequently has to get a bit more creative than was true a couple of years ago. For example, you haven't indicated what your equity position is. You may have more wiggle room than you thought. Contact an expert realtor before the situation develops to a point that they can not intercede for you with your bank.
You'll do fine -- unlike most, you had the sense and timing to ask the questions before it was too late.
Director of Education, Century 21 All Islands
GRI, ABR, ABRM, RSPS, SRES, E-Pro, AHWD, JD, CLU, MBA, (RB)