[LWJ]

Ok. If you can pass on the peace of mind, think about this.

In the big picture, we all really are just renting our home and then we will move on in one form or another.

If you can turn a positive margin I would advocate for it. You do need to calculate any risk that could clobber you however.

My Grandfather was an absolutely brilliant person and founded a very successful bank. He told me early on "any time you can borrow money for X and make X + % on it, do it." Controlling for risk of course.

I have done this formula a number of times in my life and have greatly benefited from it.

Peace of mind is pretty valuable however.

As you point out, this is a difficult equation!