I thought the fact of chasing rent from people that could care less about paying would not be fun.. also to have the property appreciate.. the neighborhood would have to as well.

You may have the cash, but you'll be losing that money from your own pocket.I would sell this place now.  

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-You won't retire at 35 with a Ferrari in the driveway, but at 37 you'll be able to lose your job and still have enough money to scrape by until you die of old age.

I'm thinking NO but I don't want to lose the house because I can really see us being happy there.

Do you make money or lose money?

Then we would be in quite a situation  and lose everything and I don't want to risk that.

.- it's not a drug zone but just a bad patch with unemployed peeps doing nothing productive so to speakShe wants out, really bad, ready to write off the loss just to stop losing more money every month.

I took on a partner because I am in the process of moving to Florida but did not want to lose the ability to work this connection from there.

If you can afford to lose the money and not lose sleep, the go ahead.