The lender will have likely conducted its own appraisal of the property and will also be governed by the size of the mortgage debt it is trying to recover.Operating Costs:  Do the leg work to verify the operating expenses of the property.  

Could the water department be playing catchup on my bill?

My options are shortsell for below market value maybe 200k and I walk with 75K; renegotiate loan, reduce principal, payments, etc and get them refinanced under government programs after 3 payments, walk with $75k or more; cash for keys they walk, maybe I dump $50-100k in remodel and sell the home for market value at $375k and walk with as much as $175k;  foreclose, spend maybe $10-20k on legal fees, remodel as previous and walk with cash after maybe 6 months of work or more?

@Bill GulleyWow that was more than an echo, very insightful.please can you expanciate on rolling the construction loan over to end loan..Also the issue about loan in Nigeria is that the interest rate is as high as 20-25% for a tenor of 3 to 5yrs max but the government said its working on a mortgage scheme for 15% and 20 to 30yrs plan. 

I previously worked for Sears Hardware, Lawn & Garden lead, but paint department was right next to me, Kilz was the #1 primer sold and always needed to be re-stocked. 

There are several pockets that act as seperate communities although they are governed by the centralized Indy government.

You may be interested to know that the Congress took this action because there were approximately three million silver dollars remaining in the Treasury Department's vaults.

With every government on the planet deeply in debt, you won't see any stable government (US, France, Germany, etc) paying more than a pittance to borrow money from the public.

@Isaac HowellA few questions that can help us point you in the right direction :Did you buy the property from an individual, bank , government entity or an estate ? 

The program uses government data not Zillow, Turlia or Realtor.com.