This is all interesting and tragic. For us I guess it really does not matter. We are finishing up a three car garage that's built like a 1930's armory, price of it kinda got out of hand. It's a big ass bunker. But it also left us with single digit dollars in our bank. For the house. I owe more on it than it's worth so I bet a bank will not want it back. If I can't get to the money in my bank to pay my bank...well...f them cause they f'd themselves. Sad deal.
cool on your bunkerage but I thought you would maybe want a little info on your house. I primarily deal with foreclosures and it doesn't matter what your house is worth to the bank or how much you owe on it. They have an insured backed loan and if they foreclose on someone they and whoever the insurer is (fannie, freddie, hud) get to cash in on said policy and don't lose a dime. So anyone who thinks they are getting one over on a bank by owing more than its current market value or even worse the ones that destroy the home when they leave are sadly mistaken the banks get their money sometime double or triple over. :-/