The end game is that we are now out the $6,200 with no relief coming from insurance.  

And lastly not having to worry about snow-plowing, landscaping, exterior maintenance, roof, etc is just real relief. 

The Mortgage Forgiveness Debt Relief Act might be extended through 2017.Even if it is not, the borrower probably qualifies for the "insolvent before and after" rule.  

So, you will hire the best and most expensive to prove that the Valuation is incorrect and get relief this year.

it has organic vapor relief and will help masking the odor a little.  1) open the blinds if any and let as much sunlight in a possible.2) open all windows, let it vent for a few hours before the cleanup.  

Obviously YMMV.exactly that's my point.. your local banks that don't sell loans. you have a chance if you need to get some relief once they are sold off its done. 

The slack and living debt free gave me a new sense of freedom and just relief.

Several days later, the title company sent me some Condo Certs links to pay for a "Full Resale Package and Disclosure" ($160) and a "Servicemembers' Civil Relief Act Disclosure" ($119). 

Several days later, the title company sent me some Condo Certs links to pay for a "Full Resale Package and Disclosure" ($160) and a "Servicemembers' Civil Relief Act Disclosure" ($119).

And if they don't, you have a very large forum to share your unfortunate experience and that prospect can certainly help provide leverage for you to get the relief you deserve.