But we had four kids, a hubby who was a car guy and needed a shop or big garages, and a limited income.

We still owe roughly $900K on a 3% mortgage.We’re planning to retire abroad and are weighing two options:1.Sell the home – I already have a buyer lined up, so this would be a straightforward exit.2.Rent it out long-term (furnished) – While I don’t think the rent will fully cover the mortgage, it might come close.

The median income is low but the amount of renters is high.

@Zach Howardlet me know if i am missing something, but if the 200K loan is fully amortized over 5 years, then you'll have very large payments each month, and the property's income won't support it. 

early/prepayment only decreases the income/value of the pkg. 

In judicial states in which the foreclosure process often takes a year or more, this not only generates income, this also typically mitigates property deterioration, vandalism, and other costly issues which diminish the value of abandoned properties which remain vacant for extended periods.

Having lived there a year it is a foreign country and many things are different and culture etc plus you have the native peoples that own huge amounts of real estate and They dont pay income tax and they get food and gas for way cheaper etc etc..

.: How about this one: “Can I sell my Airbnb property for 50% over direct comps because I want to use the income-based approach valuation?”

A nice home that may some day make a bad rental but a good primary home An exchange in to a state without state income tax to save that 10% in state income taxes.  

Any of these will leave you in a much better position for success, and provide a greater income while you learn.