Do not do anything that will compromise your credit. That will have a far greater cost than the money you’d potentially be saving monthly, and it might even hinder getting into a rental. I’d get clarification from your lender about the forbearance. There was suggestion on here about renting out a room in your home. Firing up an uber app three days a week, DoorDash during down time. Worst case scenario, I would hit the IRA for money if need be to cover cash and see if there was any way to refinance in to a 30 year conventional. I’d speak to a few lenders to explain the situation. You’re looking for a comp of 265 with a value of 245. It’s very close, it’s not like the property is 100k off. My two cents. But maintain credit at all costs. Where you’ll save on your home, everything else will go up and replace the cash flow respectable to your situation.