<prompt> Human: Hi PF, heres the details. I bought a home a year ago for 180K. Fast forward 6 months, company I worked for filed bankrupty. The industry I work in isnt exactly big in the area so I was forced to move. I rent out the house currently. The rent is enough to literally break even with the mortgage payment. There isnt likely anything to happen to the home in terms of repairs and such as its a new construction home and most of the appliances and structure are under warranty for at minimum the next 4 years.Heres my debt load: 18K student loans wife 10K 6, mine 8K 4 , 20K personal loan 10, 5.5K credit card 0 until March 2022, Car Loan 15K 1.75, home loan 177K remaining 4.75Total debt - 235.5KAnnual Income - 75KWe just had a new born and wife is staying home until the child is of age to go to school 5 years old. Once wife goes back to work, her anticipated income is 35K-45K a year. I can handle all current expenses on my current income along with saving 200-300 a month on my income. Theres no where else to cut expenses in. We already share one car and we dont have any cable or anything like that.Come October, I am able to sell the home. Its currently worth approximately 230K-240K. There is no chance of me ever returning back to the area. The market in the area where the house is is very hot right now and prices keep going up. If I sell and deduct the 6 closing costs is this right?, it would leave me with 225.6K at which point only 9.9K of debt would be remaining to pay off. It wouldnt take very long to pay off that amount of debt with most of the debt paid off and I would get a sort of fresh start. I could also keep the house and it may increase more in value with time but to me that sounds risky. Im under the impression I should run away from this house and sell sell sell. My family keeps insisting that I should keep it mainly because before the housing downturn of 2008-2009, my family bought homes in the area for 150K and sold before the downturn for 450K.Last item to mention: the county where the house is at is undergoing a utility expansion project to switch homes from wellseptic to county watersewer utilities. Each homeowner will have to pay 20K upfront come 2020 or 2021 to pay for the expansion. If its not paid up front, they will let you finance it over 20 years but total cost comes out to 33K.So PF, what would you recommend?  <response>: Yes, sell it. Dont listen to your family. Lots of people bought those 450k houses in 2008 and got fucked. 