Which is why if you need to move for work but can’t afford your mortgage, you move and then default, showing you couldn’t be gainfully employed and service all your debt and new housing expenses. The court isn’t going to force you to move back into your underwater property and leave your new job.

Well sure, but you'll have 80% of wages confiscated for up to 5 years. And you'll be unable to get another mortgage for longer than that, and paying more when you do.

You’re eligible for a new mortgage as soon as 1-2 years after a Chapter 13 BK discharge, depending on the loan product and GSE. Sometimes it might be a bit longer, but still nowhere near 7-10 years.