This may be an acceptable short term situation if the property is experiencing strong appreciation - things will become profitable when the property is sold.If the balance of the debt exceeds the market value of the underlying property, you have a situation of negative equity.  

Being a full time student, I had to balance phone calls with studying which I could have done better. 

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Generally speaking, a balanced market is considered to have about 6 months worth of inventory.  

You can probably get either int or ext pics taken with your agent and let them get the marketing ready and add the balance of pics later on the last day of work etc etc.

Loan limits can increase by a factor of 3-5 in many of these cases, but this comes with a major tradeoff of 3-5 percent "compensating balances" (read more collateral via covenants or less money loaned in effect)Item 2 is desirable from the perspective of reducing brain damage and consolidating relationships.  

The neighborhood comps reflect a sales price range of $70k to $77k, so not too much upside even if I do some upgrades.Their loan balance= $77k for a $720/mo loan payment.

It is a balancing act to add a few of those in. 

I've done this a few times with "zero balance transfer" credit card offers.  

Paid off the balance in two years.