Partly both. I needed to move for work, I couldn't sell because the value plummeted and I didn't have the cash on hand to get the loan down to the new value. When I attempted to rent it out, my association informed me that they had a limit on the number of rentals, and they were at capacity for rentals because small investors had already bought up units during the buildout to rent out to people. Had I rented it out without their consent, they were going to fine me $100/day.

I was essentially fucked. I threw my hands up and said I quit. Worked out for the best.