*shrug* I’m treating mine as if it is a rental with a stringent lease. I no longer think of it as a property that I will be able to sell and get a profit.
I need a place to live no matter what, and the mortgage is still less than a comparable rental.
And who knows? the market may yet recover...
That's been my attitude too for some while now. My payment is only a couple hundred more than it'd cost to move into a comparable rental. I'm too lazy to pack boxes for that amount of money.