Sell, Rent, OR??????

[Gabriel Miritello]

Hello,

I currently own a single family home purchased in 2007 for $215K, 30 yr mortgage, monthly payment of $768. (Paid $100K down payment)  Market then crashed . Current value is approx. $190-200K, I have $95K remaining on loan. Current renter has been great with no issues. Being military I'm not crazy about long distance renting and this is not our forever home. We recently raised the rent from $950 to $1,100 a month. We are now at a cross roads of "could we be doing better with the money somewhere else"? 

My question to the BP audience is what would you do?

Sell- After sales fees etc we will walk away with approx. $91K - Much less then the initial down payment and what we have paid since 2007.

Keep renting - We are on the low end of rent still and could probably raise if another $25-$50 per month within the next year - other expenses - HOA- 1,120 annually ; Home Warranty - $755 annually

OR something else? - Current tenants credit is shot due to a bankruptcy 5-6 years ago.  And our mortgage company will not allow a lease option (saying they would call the total amount due).

Any pointers, advice, ideas or "stop crying" will be accepted, just be gentle.:)