Protect your cash reserves. It’s all about cash flow once your asset starts to depreciate. If your payment is equal to or less than renting, then keep with it. You gotta live somewhere. Otherwise, live in the house and dont pay the mortgage. The holders of the debt are so afraid of marking to market right now that they’re avoiding foreclosures. So you have that on your side. It’s pretty simple, really. Seems like a few people have kinda said this already.