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real estate investor is grappling with a dilemma in the r/realestateinvesting subreddit, seeking clarity on whether to hold onto a rental property that has nearly doubled in value since purchase. The suburban Boulder, Colorado home was bought for $450,000 in 2015 and is now worth around $850,000, despite having a 2.75% mortgage.

    The investor's primary concern lies not with the property's appreciation, but with its cash flow. After expenses, the home generates about $500 per month, while the principal is being paid down at an annual rate of $8,000. However, rising property taxes and insurance costs have eroded returns, and ongoing maintenance issues – including a looming mold remediation bill of $12,500 – are weighing heavily on their decision.

    Their property manager takes 10% of monthly rent, and the owners' distance from the property makes it challenging to manage. Many redditors responded that the financial return no longer justifies holding the property, suggesting that selling and investing in the stock market could yield better results. With approximately $500,000 in equity, a conservative 8% return would translate to around $40,000 per year – or $3,333 per month.