The only way to leave that makes sense is to rent it out and move out of state to a cheaper place, Mexico if you speak Spanish. My problem is I hate to move, if I win the lottery I may have to though. If you were to win the lottery, where would you live? My timing has been really good, because I bought in 2009, got the $8000 stimulus, ref’d to a 15 year at 2.625% and now that my write off is declining I’ll be able to use the higher standard deduction next year, maybe.