factors to consider:
- how rich you are now;
- how much you will make down the road (how young you are now)
- how much you are paying for ur current mortgage, it is out of question if you are paying just a few hundreds bucks per mo
- how much your property is worth right now and how long you will keep it
- your future RE/financial plan
and so on...
income tax rate will go up for sure.
There is no quick answer. it is all about tax planning. you need big picture of your financial goal. w/out all above inputs, nobody can really give you a hand. do ur own math. be tax savvy...