condo underwater by 25%. credit down to 640. just can't do it anymore. what are my options?quick background:i purchased my condo in 2007 for $239k. I bought with zero down, with two mortgages (80/20) to avoid pmi. Condo fees are now $390. When i bought, money was tight but I managed. It's now valued at only $180k. i've begged/borrowed from family to keep my head above water, but the well is running dry. I refinanced with the primary lender within the past year to save $150 per month. I just missed a credit card payment which dropped my credit to 640 otherwise i'm up-to-date on my mortgage. i've been at my full-time job for 11 years which pays much less than it should, but I've held onto it for the guaranteed income and the inexpensive 15 minute commute. I downsized my SUV to a little hatchback car for better gas mileage. I'm just not sure what to do anymore. I've been living hand to mouth for 5+ years now and about to give up. at this point, i don't mind renting. any suggestions on the best way to end this love/hate relationship with my condo? I feel like i just wasted 6 years of my life...June 17 2013 - Bernards Township11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.