should I keep or sell?

[Scott W.]

my wife moved in with me after we got married 4 years ago. She had a condo she put 3.5% down in 2004. we have managed to raise the rent $25/month each year to now being $975. our PITI (including $90 in PMI) + association fees is $945.

We owe $98k on it & i'm guessing it's worth around $65k. We refinanced to a 5.1% 30-year fixed last year. Should we keep it? It turned from an owner occupied to an investment property after we refinanced last year. Thx!