Daughter was to refi and xfer loan into her name but since loan is more than value she bought a house instead. I have 3 more yrs b4 mortgage rates increase (5yr ARM). I was thinking of moving into new condo and rent out current resident condo until rates increase then short sale or hope market get better. Currently balance on one is $345K and other $410K...altho only worth $300 and $390 now. what to do???