My current primary ( scenario 1) Keep the primary for the life of the loan ( current rate is 4.5 so i dont see my self refinancing anytime soon)current home value 1,150,000Loan amount 935,000appreciation estimate 5% per year after a 28 year hold and the house is paid off I would have a house worth 4,312,000$my current mortgage is 6125$ ( piti) included My second option( scenario 2) Sell the house, walk away with $150 ,000 ish in hand and put that into a low cost index fund Rent a house elsewhere for about 3000$ ish and take the extra 3000$ im saving everymonths from not having to pay my mortgage and puting that money in the index fund as well I ran the numbers on both of these scenarios and doing what I mentioned above would break even at about 28 years meaning my stock account would be worth 4.3 million just like my house would , but the only is that holding a house for 28 year would mean 28 years of property taxes, loan interest ,home insurance and repairs etc whick I calculated to be about 1,200,000$ at minimum which raised my eyebrows to say the least Also i understand that each of these options ( stock market vs real estate ) will have there tax consequences ( long term capital gains) so any thoughts on that would be appreciated as well.  

I have some in the stock market and a HYSA, i've always wanted to own real estate investments as another way to build wealth. 

If you need fast money, I would go into some sort of a sales trades or stock trading. 

If you must foreclose, you need to step in and do what they failed to do.This is not exactly "passive" like a stock you can buy and forget. 

Are you in a market with good multifamily stock that have rents high enough for you and your husband to cashflow and meet whatever return on investment targets you have established? 

Since you have a daughter also check out which neighborhoods have good multifamily stock along with good schools. 

At this point I just need the repairs done.Of course they can foreclosure without clearing the first mortgage because the auction will pay the mortgage and whatever is left is dead money as the lien is done with at that point even if the amount from the auction isn't enough to pay off the mortgage.

Most of our housing stock is 60 to 120 years old and requires a lot of capex, especially the bottom of the barrel properties are typically fools gold, because capex will exceed cash flow over a few years.

As both an investor and Florida Real Estate Broker, I have spent way too much time on this topic and have found it to be dead end. 

Our housing stock is mostly single fam.