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"I am currently renting the Home"1. "try renting the home " -Jim2. "Have you considered renting " -Clarence
Seriously do folks even read the Op's Question?You will be hard pressed (I don't see how it would be possible) to find away other than bringing funds to closing to get out of the home without impacting your credit.
The only way to get out of the house without hurting your credit it is to sell it for whatever you can get, and bring a check to closing to make up the difference between sales price and what you owe.While some recommend a short sale, be aware there are qualifications for a short sale. You have to have had some sort of hardship (and merely being underwater is not considered a hardship). Death, divorce, medical issues, loss of employment may be considered. As this home is being rented, it is likely you have other assets so even harder to qualify for a short sale.
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For Sale: $80,000
For Sale: $359,900
For Sale: $130,000