Zacks.com submits: By Eric Rothmann For many financially challenged owners of a “McMansion,” the theory of renting it out until the market comes back may not hold substance. Consumers are still frozen under the weight of substantial debt as credit from financial institutions remains extremely tight, foreclosures and delinquencies are high, mortgage modifications have been a relative bust, wages are on the decline, jobs are being lost, taxes are poised to rise and too many houses still