<prompt> Human: Hi there, I could use some help looking at this situation and deciding what to do. I will end up with a house in a divorce settlement I dont particularly care to live in. Here are the details: Location: San Francisco, CA Estimated home value: 2.1m Loan Balance: 884k Loan term: 15 years matures in 2028 - was initially 1m Interest Rate: 2.7 fixed Payment: 6800 Total cost with property tax, insurance, etc: 9000I think I could rent it for about 7-8000, which means potentially losing 1000-2000 per month.This does not create any particular cash flow problems for me per say, but it feels strange to have a cash flow negative asset. However, I feel like its not a bad idea to keep this level of exposure to the SF real estate market given a big chunk of my position is a very cheap loan. San Francisco has historically appreciated 5-10 per year, and the last few years have been even better.Here are the options I am currently considering: Just live in the house - net cost: 9k a month Get a room mate in the house - net cost: 7k per month Rent a smaller place - net cost: 6-7k per month assuming a new place cost 4-5k and I loose 1-2k on the larger house.How would you think about this? What else should I be considering?Assistant: You need to ask yourself a few question. Would you mind having a roommate? If it would annoy you to share your space, dont. Do you not care to live there because of the reminders of your marriage? If so, would some redecoration help to make it YOUR space? Is the neighborhood where you would choose to live? Also, how is your savings investment portfolio? If you dont have one except for the house, youd be better off selling the house and diversifying. Human: I always enjoyed having room mates before being married, but since I will have my son half the time, I am a bit more cautious about having people I dont know very well living there.Im not overly sentimental regarding things like marriage reminders, etc my soon to be ex is moving into the smaller house we own across the street, and we dont see being close as a negative. Its a great neighborhood we bought two houses there!, especially for families, but its a 4 bedroom, so seems like overkill for me alone or even with a roommate. I could stay in this neighborhood just fine, but if choosing a new one based on the new circumstances, Id probably get something a bit more central.My savings and investment portfolio or solid. I have several years of expenses in cash, and a portfolio and vanguard that produces more than enough passive income to support my lifestyle.It basically comes down to the fact that I dont need to sell it - I can afford the loss from a cash flow perspective. Im just trying to figure out if that loss is worth the asset appreciation and saving the transaction costs of selling it probably about 100k, maybe a bit more.  <response>: Based on what you say, Id personally choose staying and finding a roommate or two I could trust. The close proximity to your childs other home will be a big positive, which youll probably come to appreciate and he will too 