Do you feel like the market is going to cool massively in the next few years? If you don't see your equity evaporating in the near term, why would you sell now? Let renters pay off the loan for you, drop the $400/month into a money market. If you need cash in the future, you've got 400k basically sitting there ready to go, and if you don't the cash, you've got a savings account someone else is basically putting money into for you.