25 years to end mortgage payments is a long time to wait though...But ultimately if there is no way to turn this into a positive monthly cash rental at this point, then letting it go is probably the easiest choice.

Well, if you really want to be in Montreal then you may not have much choice. 

I see flex schedules with a hybrid model of office/WFH becoming more popular.

If your employer has a roth 401k option with good choices, you could use this if interested in contributing after tax. 

Department of Housing and Urban Development (HUD) today awarded $42.8 million in housing counseling grants to help approximately one million Americans make more informed housing choices, keep their current homes, or receive assistance to help them avoid foreclosure."

I'm not saying ignore DNC, you have to make that choice yourself per business needs.   

This is a very popular strategy, @Forrest Faulconer.

With M2M he wouldn't be breaking any lease terms and he had the choice to move.

@Matthew M Spolsky know/remember your “why”.For me, RE investing is my main retirement vehicle of choice but it’s really about my responsibility to provide for the future needs of my family and most importantly ensure my wife is taken care of.

pentagon federal, va, and the one in melbourne, fl, popular... cant remember the name..i hear helocs are tight right now