I’ve been on here for about 3 months and didn’t know what FB meant either, but didn’t want to ask. F%cked Buyer makes a lot of sense. To the OP, you can’t rely on zillow’s estimates, they are unrealistically high. If your neighbor sold his house (same plan as yours) for 20k less than what he paid for it, he got really lucky. I’d say the value of your house is probably down a lot less than 20K.
You can’t afford the house. You gambled and loss. You are 50 years old, I would disregard the advice of getting a second job at your age. Do you want to be a slave to that house for another 10 years?? It’s not going up anytime soon and you can’t afford it regardless. Physical labor makes you ugly, these are supposed to be your golden years. You wanna be a slave to the bank? I wouldn’t have people I don’t know (roommates) living under my roof either. These measures are the only way you can afford to keep this house, and imo, it’s no way to live.
Just walk. I’m not advocating personal irresponsiblity, but you’re way in over your head. You’re gonna walk anyway. You knew that before you posted. Not sure if you should attempt a short sale, others on here who are much more knowledgeable about that will advise you, I’m sure.