They took our family home threw us on the street when they hospital took our mother( unnecessary surgery took her life.the said they would help with transfer of title but we didn’t know it was fully paid threw her mortgage life insurance!

Jumping into any investment without knowledge can be a recipe for disaster or great losses.

If it will cost you considerably more in the future and loss of appreciation, lose of tax writeoffs and lose of cash flow in the meanwhile, than the amount of debt you are paying off, how does that put you ahead? 

When losses hits 6 figures to multiple people its time to end this. 

Proper loss of rent.

Not wanting to sell for a loss, we haven both rented out but are well short of being able to cash flow. 

My PUP still covers me on losses beyond that amount up to my insured level, which is another 2 mil. 

Last year I received a call from a man renting what used to be my personal home, explaining to me that he didn't have the money for rent, wouldn't anytime soon because of a job loss, and asked me if we could barter rent, for sex with his wife.

Should I just sell as is and take the loss?

It's very close to what other agent models are and it's for simple fact there is no ready way to make big cut's to those fundamental expenses without suffering major risk or loss of service.