I bought two lost in outside of san antonio,texas. the purchase prices were 25k and 45k. i have been making payments from 2007-2011. on time. I have no employment at this time i getting close of losing my house which is underwater, my credit took a dump from 815 to 450. the lots are worth 2k and 8k. At this moment. I asked the lender if i can short sell them, he said 'no" , Iaked him if he can take them back he said "no". I told him that i have a buyer at the going value they said i have to pay the difference. what did i get into? what can i do?