. - The selling price is not over-inflated.

Quote from @V.G Jason: Real estate is inflation adjusted, but I'd argue it's now going to be valued with a scarcity premium going forward.

I understand that the market is significantly inflated right now making it hard to find profitable deals.

I would certainly take the $80k to reinvest comparing to sitting on the equity over 30 years, but for the sake of my head not exploding with inflated numbers in the future, I wanted to only argue what it would look like to not touch the debt on the property as well. 

Also I would put someone of it to work as well as I hate losing to inflation.

If a 2.83% return AFTER TEN YEARS, which is basically a negative return if you account for inflation, is something that's appealing to you....then by all means...go for the WL policy. 

PM always inflate some most investors have no desire to get gouged. 

We need inflation to trend down, but so far signals are “mixed. ” Counterintuitively, it seems wage growth has begun to outpace inflation growth, for much of the last 12 months (or has inflation merely seeped into wages?).

Lots of headwinds facing real estate, like the following: Inflation Consumer Debt Lack of consumer liquidity-- renters don’t have first and last month’s rent, let alone a down payment to buyOwners interest-rate lockedOversupply of class A multifamilyStagnation of rent growth on assets aggressively underwritten at acquisition Maturation of term debt combined with stagnant rent growth against a backdrop of rising debt rates =investors unable to meet basic debt coverage service ratios on refinance Market normalization forcing operators and investors to rely on market fundamentals (recently) forsaken, while prioritizing expediency of deploying capitalInstitutional and local investors are both frozen by volatility and cost of capital and debtAll that being said, we feel good about B and C class assets we focus on and the markets we are in. let's connect soon 

The inflation rate.