@Julia ParslowYou are correct that the contingent deferred sales charge may not apply if you have had the annuity for a certain number of years; however both federal, and depending on your state of residence, state taxes will apply if you take a distribution. 

Experienced investor in other markets with 1 door in Emerson Heights will be 'boots-on-the-ground' next week - March 1-3 - searching for new doors & possibly a new primary residence. 

So, I am thinking of couple of strategies.1) To sell and reinvest in other properties, i will have to do a 1031 exchange since it has been about 5 years since it has been my primary residence.2) continue to rent it out and wait for value to increase further.

I turned my first primary residence into a rental and the lender for my next home used 75% of the rental income towards my DTI from day 1.

That said, I think you wouldn’t have an issue as long as that property is listed as your primary residence: all the bills in your name and change your mailing address.

That would be great but this is not a primary residence so I think that banks are going to be pretty tough on me.  

I am looking at a home as a primary residence, and it is listed for auction.

Also know, that to my knowledge, STAR can only be claimed on your primary residence.

@Jacobus Rex only on my primary residence.

I don’t have the pressure to recycle my money.