You could just let the bank foreclose on it. If you did that, you would have two potential liabilities. The largest would be to your lender, since they would likely sell the MH for much of nothing and then get a judgment against you for the balance of the debt (called a deficiency judgment). In addition, if your renter has a lease for a specific term, and they are unable to rent a comparable property for the same amount, then they may have a claim against you for damages under the lease (if there is a lease). If you are judgment proof, then these possible judgments may not be a concern for you. Any such judgments could be dealt with in a bankruptcy, if necessary. Perhaps you should seek a consultation with a bankruptcy attorney to see whether or not that would be a good option for you at this time.