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Have you considered initiating a short sale? If you have financial hardship, and are having difficulties paying your bills, you could try to sell it short, with the thought that the banks will waive the deficiency in writing upon the sale.I'd recommend you go to the lenders/banks website and see what you will need to initiate the process. You will have to supply many documents to the lender, along with an offer on the property to get started. Some common items that the lender requires are:Hardship LetterFinancial StatementsLast two tax returnsLast two bank statementsLast two pay stubs from your jobThere are many more documents as well. If you owe $100,000 more than what it is worth, you can either take a hit and bring money to the closing table, attempt to a short sale, attempt to do a deed in lieu of foreclosure, or let it foreclose.A licensed Realtor with experience in short sales could sell the property for you, but I'd recomend that you speak with a real estate attorney, and your accountant prior to listing your home for sale.
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For Sale: $289,000
For Sale: $19,500
For Sale: $192,500