There's a term used by a certain side of the mortgage business:
Jingle mail.
During the 2008 housing collapse there wasn't a single negative ramification to just mailing the keys back to the lender, stripping the house if anything of value, and walking away.
Use the mortgage payments you didn't make on your obligation as a down payment on another house. Keep the boat you bought with the second mortgage you didn't ever make a payment toward.
Rv's were the same.
Rv's will be the same again.
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