I am trying to quantify from a tax perspective what exactly I am sacrificing if I rent my existing primary and sell it after a year or two rather than just selling it now. 

Over the time living at the property we renovated the garage walls and added a sub panel, finished the basement adding a full bathroom, painted the cabinets, added more hardwood flooring to the house (kitchen and 2nd floor), replaced the appliances and fresh paint everywhere.

I will echo what others have said that I think from a borrowers perspective we expect to pay some kind of points at closing.

Thanks in advance I really appreciate any perspective.

I'm in lending so I try to provide a bank perspective when possible. 

Thanks James,  definitely a different perspective than I thought I'd get on this question.   

However, in your market they might have a different perspective.

Altogether, the shift will result in a fresh round of layoffs for the bank’s mortgage operations, executives acknowledged, but they declined to quantify exactly how many jobs will be lost.

Aloha, I'm wondering if anyone could offer some perspective on what you might do in our situation (or what options we might have).

To put it in perspective, there are about 660,000 AirBNB listings and a total housing stock of 83.3 million single family homes.https://www.stratosjets.com/bl....https://www.urban.org/sites/de...And many of those airbnbs are for renting someone's home while they're not there or an extra room or what not.In the same way I don't think a motel owner is under any moral obligation to convert to a motel I don't think there's anything wrong about using your own property as a short term rental despite the housing shortage.