Quote from @Craig Parsons: So this here is a hot mess. 

I as a lender as part of settlement had our servicer unwind some negative reporting.As a sidenote I saw a post online somewhere else where someone who had an owner occupied home for several years relocated for work and teh servicer sent a letter telling them they are not in compliance with their loan because it must be owner occupied for the entirety of the loan even though the loan docs say one year....Again, servicer overstepping their bounds

Just try to sell it to someone else for anything so you don't lose all of your money.

I'm happy to chat about your options to see if we can get you out of this mess. 

Remember, someone else is paying off a chunk of that asset.

And you are saying agents, the ones trained to do real estate are messing up the deal, and not you?

The biggest issue is that forgetting to assign a location or choosing the wrong one can mess up your balance sheet, leading to inaccuracies.

The problem is, that's not proper accounting because a credit card is a liability, and doing this workaround will reduce your assets rather than increase your liabilities, which totally messes up your balance sheet and debt-to-income ratios.  

I called from another number and it went through so I know his phone isn't messed up or something).

Last tax guy messed up a lot and I caught a lot of his mistakes.