Deed in Lieu

i have been trying to negotiate my husband's 5 loans with bank of america and the loss mitigation department does not want to modify any of his loans because there is still an income deficit at the end of the month. we want to prove to the lender that the properties are not worth what is owed on the mortgages and that rents has also dropped. they say he was to make more money in order to qualify for some type of assistance but they do not tell me what programs they have. we would like to lower the principal balance and or interest rate. doing either one will drop the payments to a more reasonable amount. the next option is doing deed in lieu of foreclosure but they say the homes have to be listed for 3 months. he is already behind 3 months of payments plus another 3 will probably be too late and some properties might go to foreclosure. is this request from the lender accurate. can't we just deliver the property to the lender since they do not want to negotiate?