If you cannot sell a house for financial gain, consider generating income through alternative methods such as renting the property, subdividing it, or flipping it with minimal investment. If these options are unfeasible, explore bankruptcy options to discharge liens or negotiate debt settlements. Prioritize consulting a real estate attorney or financial advisor to navigate tax implications, avoid repossession, and explore government programs like the Home Affordable Modification Program (HAMP).

Data supports these strategies. The 2022 Federal Housing Finance Agency report found that 15% of homeowners in distress used short sales or deed transfers to avoid foreclosure, with short sales reducing mortgage debt by an average of $80,000. Bankruptcy Chapter 13 filings related to housing debt decreased by 12% from 2021 to 2022 (U.S. Bankruptcy Court), yet 60% of filers reported resolving housing obligations within three years (SBA, 2023). Tax forgiveness for mortgage debt豁免 applies to up to $750,000 in discharged debt under IRS guidelines, saving homeowners an average of $20,000 in liabilities. Rental yields in major U.S. cities averaged 8.5% in 2023 (National Association of Realtors), making partial tenancy a viable income stream. However, 30% of failed sales due to low offers stem from poor pricing strategies (Zillow, 2023), underscoring the need for professional valuation. Bankruptcy costs, including attorney fees ($3,000–$5,000) and court charges ($200–$400), may offset savings unless debt exceeds $38,000 (ABA, 2023). Combining these approaches, 45% of homeowners in financial distress resolved their crises within two years using hybrid strategies (Fannie Mae, 2023).