[JavaBrewer]

Terry, you could have kept the condo, rented it, and sold it today for that extra gain. Like you said that would have been risky and admittedly I probably would have done what you did and sold.

The cooling off has started in SD. Expect to see drops over the next couple years. How much of a drop depends on the foreclosure market in light of the many adjustable loans that have been written. Folks who planned to stay put should not be affected unless the jobs/economy take a huge dive and they are forced out.