@Whitney Hutten You make some very interesting and unexpected points.At this point I'm intimidated by non traditional financing but I do plan to learn a lot more before I make my next purchase.I've been thinking quite a bit about partnering with more experienced investors as it seems like a great way to gain mentorship as well as to maximize the success of the investment.At this early stage my portfolio is fragile and I can't afford to make big dumb mistakes.At the very least I do not want to make another RE purchase until I'm feeling really solid on my network and education, not to mention the recovery of the economy.The question of whether to sell or hold has tormented me for years.There is one other factor I neglected to mention in my OP that made me decide to hold the property, for at least a year or two longer:This home is within throwing distance of a major city overhaul project that is drastically improving the area immediately surrounding it.It's been transforming a creepy downtown area that previously you would not want to walk at night (or even the daytime) into a bustling mixed use community.The project has been going on for years and right now is finally in progress in the blocks visible from my house.Also the house has easy freeway access, and is positioned within 10 minutes of an extremely expensive beach area.

Ah, jobs, growth, cheaper housing, high-tech business, progressive politicians . . .Austin is now doomed.

Be sure you are in the path of progress. 

A lot people may start with SFH then progress into multi family but it’s all in what your goals are...

I live in SF and am a progressive but that just sounds crazy to pay someone to move if they can't afford their rent. 

There is no such recovery and the government's poor handling of the Covid crisis has made things even worst.

Who the key decision makers were, how the process went progressively from one step to another.

I started out with the goal of mechanical engineering as well - as I progressed realized that's really not what I ultimately wanted. 

Furthermore, as time progresses, the inflation is devaluing the currency so you are paying the loan off with cheaper money. 

No progress draws.