We had to move out of California due to a job transfer into Montana and we were unable to sell our house. We owe $450K but it's only worth $199K. My wife is not on the deed of the house and she is going to lose her job next month. We have renters in the home on section 8 but the rent doesn't come clsoe to making the payment alone. We have been told that we can not do a mortgage modifcation because it's not our primary residence. Do we have to try a short sell first? Can we do a deed in lieu of? What are our options?