Shift your mentality and look for a way to earn the money.

This is the mentality of the majority of the people in the United States and the majority of the people in the United States live paycheck to paycheck and have to borrow money whenever any sort of emergency comes up.  

Mentality and confidence is everything. 

If everything requires a phone call or if a lawyer is typing on a typewriter or only using fax, the process is tedious and exhausting for everyone involved.

Interest right now is historically low.You have to be in the mentality that it is okay for others to make money.

Do you think the possible mentally disturbed man is your tenant?

After 2 weeks of exhausting work, we put it on the market.

Also, I've heard of cases where umbrella only kicks in when all of your other insurances have been exhausted and there are some other "got ya" clauses so if you are going with umbrella, make sure you know exactly how it works, when it kicks in and what it actually covers.

If you have extensive contracting experience and are not concerned about plumbing, electrical, roofing, or maintenance issues, perhaps the values make sense.Curious to see what other folks think -- I'm looking it at this from a high-level spreadsheet mentality. 

It has exhausted it's investment potential through appreciation and as a rental is now a liability.I would be listing to sell immediately to not only access the equity but to avoid any further negative cash flow.