I'm so glad you reached out, because I have a LOT to say on this topic :-) I hope I'll be able to communicate my thoughts clearly. First, let me review our experience for you from a bit more than a year ago. We also had a house in a very desirable area. We eventually sold it for tens of thousands less than we might have expected. And we were very grateful. Frankly, I was prepared to walk away, so strong was my desire to leave.
Practically speaking, I made a donation to Western Wall Prayers and had a shaliach daven for the sale for 40 days at the Kotel. We had a contract less than 48 hours after he started. But I also applied a spiritual perspective to the whole situation. I have been blogging recently about the difference between how things look from chu"l and how they look from here in Eretz haKadosh. I would love to have you read this post. The two points from that blog post I most want to emphasize for your situation are:
Years ago, I saw a Holocaust-era movie, and for reasons that only became clear to me recently, one scene stuck in my mind all these years. At this point in the movie, Germany was already under siege and Jews were liquidating everything they could to escape before things got worse. In this scene, a wealthy German Jew was negotiating to sell his big, beautiful house for about 10% of what it had been worth the year before. He took the deal because he needed to raise cash to escape.
Gd-forbid American Jews should face that situation, though one of my rabbis, Rabbi Nachman Kahana, says that if Jews don't get out soon, they will be lucky (and grateful) to be able leave with their pajamas and toothbrushes in a plastic bag. I certainly don't have to teach you Jewish history; you know that has happened countless times before.
Israel has one of the strongest economies in the world right now, and we are promised much more in Sifrei Navi'im. The Shechina has left chu"l. Get what you can and get out. Lower your bar for what you think you need, both to leave and to live here. Liquidate everything you can and buy shelkim while the dollar is still worth something. (Although who knows? We may not need cash in a post-Moshiach world :-)
The noose is tightening. People here feel it very strongly. We're thrilled that you're coming soon. Throw away the paradigm you have about what you think your house is worth and rely on Hashem.
You asked: Is Hashem trying to tell us to stay, or is this a nisayon about our commitment to the mitzvah of yishuv haaretz?
For sure it is the latter! Who gets here without nisayonot? No one I know. Financial problems, health problems, problems with kids, housing instability, the list is endless.We have to EARN Eretz Yisrael and it's so hard because it's worth so much. The price tag is high because the merchandise is so valuable.* Do not be fooled by thinking a bit more cash in your pocket will protect you. Only Hashem protects. That's a lesson in emuna especially for our time, as the gates of Jewish history are closing.
I believe everything I've said to you here in the deepest part of my neshama. You'll see. Hashem will decide what's to be with your house. And in a very short time, you'll be coaching others to cut their losses and come while they can.
Hashem is calling your family to come Home. Shake off your attachment to your house and what you think it's worth, get on that plane and get here already.
all the best for a klita kalah,
* Hat tip to Rabbi Moshe Lichtman. This idea comes from his book Eretz Yisrael in the Parashah.