Now, this would obviously be negatively cash flowing since you would need to pay taxes and insurance.

Hi Steve, where did you get your property tax estimate from?

Consult your local CPA to calculate accurately and minimize your tax liability.

Since the loan is still in your name, you can deduct the interest you’re paying to the lenderon your tax return... 

Your actual property taxes alone on that will be over $10K a year in 2025 and don't forget about that supplement tax headed your way.I would suggest keeping the others and maybe changing to LTR if that will give you consistent cash flows.  

@Nicole GrazianoI recommend that you have a consultation with a real estate tax accountant regarding your taxes.Bigger Pockets is a great place to find a real estate tax accountant. 

Still, if you aren't whittling down the number you are analyzing financially to a small subset you see before deciding what to do, you are missing an essential part of getting to the tipping point of expertise in your field.

Yes, do the tax exchange if you can.  

Any advice on what setup is easiest and most tax advantaged?

If you sell it, you get $250k single / $500k married exemptions from capital gains.Speak with a tax professional about how much you'll save in taxes by doing this.