Absolutely the answer is to do the math. 10 years ago I bought a condo in North Park and sold it five years later for 3x what I paid. At the time it was worth paying long term capital gains as it allowed me to wipe out all my debt except my 1st mortgage on my primary. For me that was life changing. Had I held it now it is about 4.5x what I originally paid. It would also be generating almost $20k actual income which would be more than a 20% income stream return. Would I like to have that today and on into retirement? Sure but looking back it was and still is the right decision to have made. I paid off a large HELOC I still have with a zero balance that I’ve used a few times to capitalize on great investments that have returned even more. I’ll likely use it next to build an ADU for myself that will allow me to convert my primary into a massive cash flow generator. Do the math, apply it to your own circumstances and make the best decision you can for yourself and your family