Assuming you took wam’s advice in other thread and this includes Ford dealers.
You were roughly 12k flipped in March, you’ve made $5500-$6600 in payments since and you’re at best $15k flipped (guessing you aren’t including the tax credit, because you took a ballon to claim that right? — if so that’s $7500). You can see where this is going…
You can list it for sale and hope a private party wants it bad enough and sees more value that $38k, you can sell it and write a check for the negative, you can refinance and lose the option to dump it at the end of the balloon (own the downside), or wait on buying a place and ride it out until disposition.
There isn’t a “roll the negative” option here with ~ $450/mo in negative and rent over 36 months.