@twoinanddone, I would think a tax record tells the truth in a case like that. A condo is worth x, whether you use it or not. Land tax record. IRS earning report. Same with holding a title with a brother, grand parent or sibling. All land is surveyed and taxed. We don’t own a beach house – I wish we did! As for selling, its a bit late for that between now and Monday. Yeah, the FA person said it is really just too bad when people are underwater on a property. Still considered an asset!