So your debt is about 69% of value. 

I need to analyze my financial situation to see when is better to pay capital gain taxes on our rental property we are selling- this year or next. 

Personal finance, Real Estate Investing, these are vast worlds with many viable routes leading to financial freedom and many pitfalls to avoid. 

The ones that think they do are usually following the traditional BP model...and they'd be wrong.You have to "reverse engineer" it, starting from your Financial Goals, and working your way to where you are right now.  

I wouldn't be to concerned about your overall debt if it's from other mortgages. 

@Travis SperrI love to listen to his advice but I don't always agree with all of his investment strategies most of them come from his financial advisors.

I'm not trying to be a "downer" but... all these optimistic predictions from people who financially benefit from optimistic conditions in the market are a bit misleading. 

I bought this property at 23 years-old working as a full-time financial analyst in Santa Monica.

I grew up there, so I have some familiarity with certain neighborhoods.I don't have a lot of capital, but I have an extremely excellent financial history with a high credit score and very low DTI.Time to wrap up, don't want this post to get too long.I'm looking forward to interacting with all of you on the site, and here's hoping I can make this work with your help.Thanks,- Ray

., etc.) and my interactions with him have resulted in schizophrenic ramblings (i.e. the Vatican owns my property, all financial transactions are routed through the city of London, etc.)I spoke with an attorney from this forum (a terrific help) earlier this week and I am weighing my options...the best being a 4 foot retaining wall along the property line with a 6 foot permitted fence to the front of the house.