>>60561251
the mortgage rate doesn't have as much value as you think it does because you have significant equity that isn't being cashed out and earning interest
the 100k in equity could be earning 333/mo in interest (4% treasury bills)
assuming you have a ~130k mortgage balance and a 4% interest rate, you currently pay ~5200/year in interest, but you also miss out on 4000/year in interest income... your cost of holding onto the property is 5200 in interest paid + 4000 in income lost = 9200/year
9200/year at 130k is a 7% interest rate, which is even higher than what current rates are