Why do you have to sell? If you will lose money couldn't she just walk away and you keep the house. Don't mean to offend, this is a lousy time for people, just curious.
Until we dicided to move we had set the settlement up that when the house sold we would split the equity and prior to that the person outside the house would split all maintenance and taxes. Our plan was to hold on to the house for a few years until the market came back