We can't answer this well without three things: why you want to sell, what you'd buy instead, and the specifics of your market. Those change the whole calculus. The part we'd push back on is selling now to wait for a cheaper entry later. Nobody can promise where rates or prices go, so "wait for a better deal" is really a bet on timing. If your market keeps appreciating while you sit on the sidelines, a lower rate down the road doesn't necessarily help, because you may be buying back in at a similar or higher price. Selling also isn't free or instant: - Agent and closing costs on the way out - The taxable gain a sale can trigger on an investment property - A second round of closing costs and transaction friction when you re-enter So the real question is whether moving this capital somewhere else, net of all those costs, leaves you better off for the goal you actually have. Answer that first and the sell-or-hold decision usually gets clearer. Either path can be valid. Our job is making sure you choose it on the full math rather than on a hoped-for market move.