As a follow up “My suggestion, which actually comes from sdrealtor, is to sit down and make a spreadsheet, and figure out ALL your options and the costs associated with those options. You can bang your head against all the wall all you want, but once you put it all down on paper, it makes it much easier to see what the best thing to do.
If you are going to create a spreadsheet determine what path you re going to take before you put the spread sheet together. By this I mean if out come x exceeds outcome y then I sell. If on the other hand the data is the opposite then I will hold tight.
Too often you can put a spreadsheet together and it is an excercise of futility of you don’t use the data to give you the best possible outcome. If the oucome doesn’t conform to the way you feel it is easy to ratiionale away the outcome or to modify the data set to support your initial feelings.