The problem is the price that the seller wants is quite high and comparable to on-market value.

I only use Airdna to compare similar areas and wouldn't take these numbers to heart. 

In my opinion, i dont think the price can get lower than now which means that from here they will slightly start going up, I reckon it might be very slow, but unless you are in a hurry to sell, i think it can be a very good investment with the years; by now, apart from enjoying the great enviroment and food here, you can also rent it, in high season you can get really good money by renting to foreigners (especially English and Nordics) that follow the spanish sun even in winter!

As a lender your credit is shot now, a BK would make it that much worse compared to trying to repair it, but sometimes a BK can repair it faster. 

Compare that in this review.4. 

The HOA restrictions limit me to renting the house only twice per year, and the insurance cost for rentals shorter than six months is significantly higher ($12K-$14K) compared to rentals longer than six months ($4K).

They are only averaging estimates and not comparing similar properties/amenities. 2.

It's laughable, LAUGHABLE, to try and compare index funds too REI. 

Quote from @Varun Dalwadi: The houses in this area are going for 350 plus 3 room and 2.5 bathroom with 1400 square feet Have you really looked at true comparable?

Its a little rough right now but a lot of positive generally in terms of proximity to downtown and value compared to other parts of Atlanta.