Lisa purchased her home 5 years ago for $265,000. Lisa stopped making payments on her home loan, and unfortunately, the real estate market has gone down significantly in recent years. Lisa needs to sell her home immediately to avoid foreclosure; however, her property is now only worth $189,000. What should Lisa do next?

Work with her lender to sell her property as a short sale.

Take out a second mortgage to catch up on her home loan payments.

Sell her property off as an REO.

Simply walk away from the property.