Hey dumbass. I found one to shut you up once and for all. Send me your email via private messages and I will send you a copy of letter from a lender where the seller negotiated a short payoff of a refinanced recourse $90,000 2nd for about $7400 cash in March. I will also include the tax records showing the amount of the loans. We had to get that settled before selling the house. Once we got that settled we closed the short sale the next month with the 1st lender which was non-recourse. They could have stayed if they wanted with only a 1st mortgage and gotten it modified but were getting divorced so neither wanted to stay.