new to SD, there are probably a few lenders out there to serve you but you wouldn’t want the terms.
You won’t get much sympathy here. Obviously, you could have afforded to “hang on” until the value of your property in SM “righted itself.”
It is the thousands of “solvent” homedebtors like yourself who were the direct cause of severely plummeting home values in recent years for your more prudent homeowner-counterpart who kept their noses to the grindstone and didn’t overbuy and/or overborrow.
I think you would be much better off continuing to rent for another 2-4 years than to find a “shark” to finance your next home purchase.
Every action has a consequence as you now realize.