But maybe that's a wrong way to do it.  

I hope I’m wrong

For the South Florida market, extrapolating that past data to the near-term and medium-term future is likely going to be very, very wrong.

Or am I wrong?

Are the academics wrong?

Check out their website for analyzing properties.I think both your options are great, and you can't go wrong with selling it or holding it.

They have analyzed the property wrong.

And if you feel that your money is better utilized in real estate than the stock market at this time, maybe consider your IRA as additional reserves if things go very wrong.

If it’s not, then of course, this won’t be the first time I’ve been terribly wrong in money matters.

If my tenants don't have a job and can't pay rent due to this situation and my job doesn't pay me to cover due to this situation, but the lenders and banks still hold me responsible to pay them, then I say that this is a literal break/schism from the cycle of money and on top of it, they own/collateral the assets so, we the people/investors get the shaft while the institutions get bailed out for this situation...someone please tell my thinking is wrong on this