I have to give you an A+ for effort and a big fat F in economics. With the country going into/in a recession I doubt that you would even be able to get rid of this pig and I would say you have about 5k negative equity. You will probably have to come out of pocket to get out from under this beast. And I would suggest that you never enter into a three year relationship with anybody, you know the hell that is if you have ever been married. You need to advertise it for sale only and have your lender approve the buyer for there own financing or sell to someone with financing already in place if you cant find a cash deal. I think you can sell it if you are willing to become a little more realistic and possibly come out of pocket a little. I might even know someone who would make you an offer if you are interested. And don't let these posts bother you, we all learn something new each and every day, today was your day....