Why we don’t like ARR (Average Rate of Return)It’s easy to skew the numbers.Here's an example of a positive ARR of 12.5%, but the investment loss is $50.Year 1 Start Value: $100 End Value: $25 Annual Return: -75%Year 2 Start Value: $25 End Value: $50 Annual Return: 100% ARR = 12.5%Am I missing something here?

Make a list of all the things that hinder you and set those weights down beside and take off.

If the annual appreciation far outweighs the annual cash flow losses, it may be worth holding. 

The depreciation, repairs, and mortgage interest from the property renting will surely create a paper loss and help our somewhat high salary’s tax liability which is great.With the same thought, selling would do the exact opposite but would leave me with a chunk of change in my pocket.

This can protect your other investments should you have a loss in one.

Between now and then you can really crunch the numbers on rent vs. costs and decide how much negative you can stomach....at worst you still decide to sell in the spring and maybe it's a $40K loss instead of your current estimate. 

It would be an improvement over paper as money, but there would be tremendous loss of privacy. 

Should I have a family member live there at a loss each month?

@Kameren Powell I’ll try to save you from financial loss.

Does HOA have loss of income insurance or some fund to make up the losses until owners get property rehabbed or built?