Original Message

You've got a great rate on your mortgage, but your equity is tied up in the house. You should have opened up a HELOC when rates were low if you were looking to tap into that equity, you've missed the boat on that one. You've got a house that's costing you very little to own. Seems to me like your options are: 1. Live in it since it's cheap, invest your extra money. 2. Rent it, whether long term or short term rentals. Get a property management company if you don't want the hassle of being a landlord. You're still cutting checks for when things break though. 3. You don't want to be a landlord, so just cut bait and sell it and do what you want with the money. My thoughts: You don't want to be a landlord, so don't. Sell the house and take the win.