We normally do not seek judgement due to the expense that is involved, even after you win you have to continue to renew the judgement every year.We put them in collections and have it hit all three credit bureaus.

Then you can determine whether or not to hang on to that one or seek something somewhere else.Even the decision to move into other asset classes like equities or whatever will need you to factor in the loss of investing capital in the form of capital gains tax (plus 5 years of depreciation recapture). 

I don't have a good understanding of your desires or what you are seeking.  

It's good you're seeking advice and educating yourself!

Readers should seek professional advice.

Readers should seek professional advice.

The fees for a refinance / cashout would be ridiculous compared to the amount of money you're seeking.

Readers should seek professional advice.

@Dan H. can hear it, too, cause I think I read a post of his about not believing integrity is low.You have to understand with society-- integrity is directly inverse with the money they are seeking.

Another poster mentioned seeking seller finance with 3% interest, if the numbers work, make the offer.