Updated in: 2026 Relocating or selling a home when you are underwater on your mortgage is one of the most stressful financial hurdles a homeowner can face. In 2026, the South Florida market—specifically in Miami and Broward—has seen a shift in how lenders handle distressed assets. As the “COVID-era” forbearances have fully expired and property insurance premiums have surged, many families are finding that a short sale is their best path to a clean slate. At Property Nation, we are local experts who have guided hundreds of…