My daughter owns a condo that she bought a few years ago and currently rents out. She originally lived in it, but went back to school and is now working at a much lower salary. The condo is not always rented and even when it is, it doesn't bring in enough to cover the mortgage payment and condo association fee. She's approached the mortgage company about a short sale or deed in lieu of foreclosure, but has been told she qualifies for neither because the property is not owner-occupied. Also, she doesn't make enough money to qualify for a refinance. She doesn't want to go into foreclosure but doesn't know what else to do. Can you help?