SD, why do you think the lenders are so cranky about letting them off with a short sale. I would think the lenders would have come around by now, do they not have a stock ticker. The loss in their stock value because of their bloated foreclosure inventories has to hurt them more than letting people off with a short sale. Investors have lost faith in them, the public has lost faith in the market, it seems the last bastion of perma bulls is the lenders. I also see short sale houses are more marketable than vacant brown lawners with the appliances missing, I just don’t get the lender mindset that the house will be worth much more in six months after it’s trashed and the lawn is dead.