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Look to refinance as a second home if you moved out of town. How far out of town? Depending on how long you have been renting your condo, you can claim rental income to offset your DTI since it is high. That would help qualify for a refinance as a 2nd home. Home Affordable has been listed as primary residences only. Or as Sam said keep it as is and continue renting. If you can make the payments comfortably, the market will comeback and when it does, prepare to sell in 2011-2012. Hope that helps!
It will not qualify as a Second Home.
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