That nice little home has become a money pit and you don’t know how to get out. You are upside down on equity and cant afford to fix it. This is a bad spot to find yourself in. If you do the wrong thing you will just make it worse. I think that the priority in this situation is having a place to live. I wouldn’t just leave out without a plan and rent. With poor credit you will have a difficult finding a decent house to rent. So stop and think. Do not panic as you still have a roof over your head. The things you have to fix need to be prioritized and tackled in a logical manner. If you want a Home for Life then you have to start today.