If you're in Miami-Dade or Broward in 2026, the pressure usually doesn't arrive one bill at a time. It stacks. Homeowners insurance renews higher. The condo or HOA sends a special assessment notice. The mortgage payment that felt manageable two years ago now competes with credit cards, taxes, repairs, and everyday living costs. For many owners, the question isn't whether to sell. It's whether they can survive the time and uncertainty of the path they choose. A lot of distressed owners hear the phrase short sale home…