Thanks for the link. Checking out it and every other reasonable option. Without going into great detail boring everyone, I paid out my X by refinancing home and then the So Cal market sunk fster than the Titanic, taking with it all remaining equity I had.
I may be one of those who is better off without the home but at least I will go into with my eyes wide open. Thanks for the link
Committed2Him- "C2H" All Things (Back from Spain!)...18