I understand what you’re saying Shari, but you would then be in the “If you don’t really want to sell then don’t put it on the market.” category. Nothing in the article say that you should sell at a loss no matter what. It’s perfectly fine to simply stay put and not sell at all. It’s just saying that if you really want (or need) to sell, then you will have to accept that you will be selling at a loss. Listing your home at a price that is too high is simply a waste of time and effort.

By the way, your list of reasons for selling at a loss also needs to include: Your monthly payment adjusts upward and you can neither afford the adjusted monthly payment nor re-finanace because you have negative equity in the home.