I think there may be a market for a lower density campground that offers a higher level of privacy per site with amenities (electric/water hookups, RV dump site, bathhouses, etc...) but...

Is there any way to get PennyMac to lower the payoff amount, at least to just the principal amount, enough to cover the partial claim, satisfy the mortgage lender and be able to afford to relocate my family (I only need $7,000 to $10,000 to get a vehicle/uhual and move my family, and that includes the new place)?

Even if the lower level is small?

Lower Moyamensing, Whitman,..) and further west (ex.

Agree that it is better to stop the bleeding, rent it at the lower rent with a term to end in a hopefully more favorable renewal time.  

Having a reliable lender with experience can help guide you to the best options for your qualifications, however at a minimum if trying to qualify for a conventional loan you'll need at least a 620 FICO mid score, other options are FHA using lower scores.

That is true, I disregarded the advantages of the quad having lower operational costs.

You can use this as an opportunity to get a lower sales price, that what I do.

Quote from @George Goldstein: You know how when you buy a used car from a private seller you tell the seller to say he sold it for $3000 instead of $18000 so your dmv tax is lower?

page=LoadVirtualDoc&BookmarkID=6536) that capped annual increases to the Taxable Value of a property to the lower of 5% or Michigan's Cost of Living increase.