<prompt> Human: First post after lurking for a while, I have a house in San Diego that is currently 2 years away from being paid off and is being rented for 4000m. I am attempting to decide between three options, sell the house now for around 1.55 million and invest the money, after 368,000 in capital gains tax, in a mutual fund, continuing to rent and earning about 40,000y after taxes and expense, and living in the house for 2 years before selling to avoid capital gains tax. I would love any input on what I could do to maximize my return on the house because I am currently only earning around 2.58 on the equity in the house.  <response>: One way or another, Id find a way to live there for two years and keep 368k.. why? Because If I didnt spend a nickel of my take home pay, it would take me 7.6 years to save that much 