Forget about the past, which can not be altered. In any event, you are about even if you sell at 150k, if you had been taking in 7k a year in the last 6 years.
What I am saying is that from now on, if you keep the property, you get 7k on the current liquitable value of 150k, or about 5%.
If you sell and take a 350k loan, your potential return is about 26k - 9k tax- 5k hoa - 1k insurance - 14k interest= - 4k/yr.
If you want to keep it for 5 years and sell, you would need at least 5*(7k+4k) + 6%*(50k+15k) (fees for selling two houses) = 94k appreciation to be better off than just keeping the current situation.
What I am saying is that from now on, if you keep the property, you get 7k on the current liquitable value of 150k, or about 5%.
If you sell and take a 350k loan, your potential return is about 26k - 9k tax- 5k hoa - 1k insurance - 14k interest= - 4k/yr.
If you want to keep it for 5 years and sell, you would need at least 5*(7k+4k) + 6%*(50k+15k) (fees for selling two houses) = 94k appreciation to be better off than just keeping the current situation.
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