Short Sell. Good or Bad Investment?

I bought a home approximately 5 years with a ten year interest only mortgage, no down payment; 100% financing. As the years have past I've noticed my mortgage payment is slowly getting higher. In addition, my home value has decreased (upside down) by $100K! I live in the Washington Metropolitan area where there is a chance to recover but I feel I will not. Also, my HOA is constantly harring me and charged me over $2K in fees, I am somewhat struggling with the payments due to changes in income/increasing payments, and I can no longer save. I won't make the choice if the loan provider doesn't pay the difference in the short sell but I'm not sure how this will affect my credit? HELP! Stressed homeowner.