<prompt> Human: Hi all... posted in the real estatelegal forum but was advised I may find some better advice here. Ill try to keep it short...My wife and I purchased a home in a new development roughly 8 mos ago. Development is only about 20 built out and will be years before completion. We are looking at giving up our home due to some serious neighborhood and neighbor issues. I will spare you the sob story, but we feel with several neighbors there are drugs involved, non-stop loud parties, garagehome broken into, etc. Numerous police and HOA actions have been initiated, but nothing has helped and we are living in hell. My wife cries daily.We cannot sell without taking a very substantial loss which we cannot afford as the developer slashed prices a couple months ago and things have slowed down in my semi rural area of AZ.Renting the home out shifts the issues to my poor to-be renters, and we would certainly be dealing with complaints and tenants looking to break lease over the various neighborhood issues. We would need to cough up nearly 400 a month to cover the difference between rents in the area and our mortgage.The last option we are leaning towards is to walk away. My wife wants to move back to UT we relocated here for an employment opportunity, and the combination of the neighborhood issues along with the new locale have us at our wits end. We live in a non-recourse state AZ and while our credit would be significantly dinged, we dont need credit for some time and do NOT intend to buy again for a serious amount of time. We would secure a rental prior to letting our house go delinquent.I feel crazy for even being at this point and thinking of some of these options, but we truly have no choice and can no longer live here. It is a nightmare and my wife wants out. Without the option of selling we are trapped and cannot live this way any longer.We have been forced to stay at hotels regularly when things have gotten out of control with the neighbors, a financial burden that is also taking its toll.Any advice from a legal standpoint? We are thinking the process of letting the bank take the home back and take the credit ding would be the easiest way out of this nightmare. Ive read all about the ramifications and we would essentially be uncredit worthy for a couple years. However, the trade off seems far worth it.  <response>: Talk to your mortgage lender, explain the situation and see if there is something you can work out with them. Sell the house, take the loss and see if the bank will split the loss with you. Would be better long term then declaring bankruptcy or defaulting on the loan. Just a very expensive life lesson. Sorry for your luck 