re: Short Sold A Spread 2 Years Ago, When Can I Refinance My "New" Mortgage?

Because holding onto a property after it drops 45% in value is "the right thing to do"? Not a single business on the planet would hold on to a toilet bowl of an asset (or liability, however you choose to categorize a house). FWIW, I lost my $120K downpayment and 5 years of mortgage payments ($3K x 60 months = $180K), so it's not like I came out unscathed or didn't put anything into the system.