My out-of-state clients love it here because you can still find cash flowing deals hitting the 1% rule with lots of appreciation potential.

And not to mention no stock matches the dividend rate one can get in real estate with such low risk/volatility. 20yrs ownership, oh-yeah, cash-flow on renting it would be HUGE now so it's easily comparable to a 20%+ monthly dividend, if not more.

@Hector Lewis - The decision ultimately depends on your current cash reserves relative to your financial needs, as well as your willingness to reinvest for potential appreciation.

My mum currently lives there, she is 80 and not very well, but you would also become a tenant in common and as such if you had the time you could profit 100% from the transaction, as I need cash urgently and am willing to heavily discount the asset.I am wondering if there is a market out there where someone wants to get a foothold in the London market by buying my part of the property.

It cash flows without the utilities split but I am planning to hold onto for a long time so splitting the utilities seems to make sense.

What's left after all that is your cash flow.Collecting cash flow to spend is an amateur play.

I recall a deal where I was offered a cabin for $230K cash.

If I have some cash do you recommend clearing the loan or invest instead for next property with proper planning ? 

I am a local agent here in Sacramento & I am a house hacker myself with 2 properties here that now cash flow.

Anywhere near Evens has gotten very expensive, so cash flow will be tougher.