Planning to sell my condo. Right decision ?

[Karthik Jayaraman]

Here's my math -https://imgur.com/Tszgg4T

Why I should sell. ?

• I am getting only 1.5% returns without taking into account the equity building portion.
  Mortgage tax write off is 0 as I currently pay mortgage on my primary residence.
  I have used this property as my primary home for 2 years in last 5 years. So I will not have to pay the capital gains tax if I sell if now (CA).
  Average stock market return is 7-8% (historical data).
  Too much investments concentrated on real estate. I am paying 6% rate for my primary residence.

Why I should hold ?

• 3% interest rate and non-negative cash flow.
  Highly rentable area (bay area) and white collar rentals. Chances of a bad tenant is less (but possible).
  Bay area is a tough market to get back into.

Am I overlooking anything here ? What do you people think about my decision in selling this one ?

[Joe Homs]

@Karthik Jayaraman I vote to keep it.  If you are NOT in a negative cash flow situation I would definitely keep it for the rest of your life.  Let your tenants pay off the mortgage for you.  Why are you not wring off the interest payments?  

Good Investing...