In times of crisis, some hotel owners find themselves overwhelmed by debt and face a difficult dilemma—either keep putting more of their money into their troubled assets or stop paying their mortgages and lose their hotels to foreclosure. This is an undesirable outcome for both borrowers and lenders. Borrowers lose their investments in the foreclosed property as well as their reputation. On the other hand, lenders recover substantially less than the property’s market value due to various costs and expenses associated with foreclosure.