Higher end is usually the first to get over built and weaken I find .. in many markets... 

However I do plan on living in the property temporarily so if I use traditional financing I can get into the property for as little as 3% down ($2400 compared to $40,000) with the current interest rates at around 4.75% for 30 years.

In some states the sale does not need to be at the courthouse.Sometimes banks postpone the sale date because the borrower has worked out a loan modification or filed bankruptcy which temporarily stops the sale.

In addition, they have always paid my $50 late fee, which compensates me for allowing this behavior temporarily.

Might be a good option for you, at least temporarily until you can figure out your next move.

You can temporarily hide the odor with latex, but it's going to come back.

Take the loss now on the car and home, use anything you get to pay down your debts, use public school and move to a rental temporarily before it all comes crashing down.

Put your student loan on the longest possible repayment period to lower your DTI (temporarily).

Keep in mind a fully maxed out card may temporarily decrease your credit score but it will bounce back as soon as the balance is paid down.

No new builds or subdivisions, yet - to maybe weaken these older areas.