The best move depends on whether you want to keep your current home as a rental or cash out and reset clean with the next one.If you want to keep it, a cash-out refinance usually makes the most sense.

i reset the cache, reinstalled the browsers )suggestions ? 

You’re doing the right reset.

By the way, just noticed that the days on Zillow reset after I added some pictures last night. 

Thinking of doing this as a “reset”, and then going forward in 2026, start doing some of the things (financially) I should have been doing.I want to max out Roth IRAs for my wife and I, contribute to 529s for the kids, and if there is excess money beyond that, go the brokerage route. 

If they suddenly decide to respond after the fact, fine — but otherwise, treat this as an opportunity to reset the property with a tenant who actually respects the process.

Which resets the depreciation schedule and wipes out any recapture.

That’s a fair concern a lower rate doesn’t always mean a better deal once you factor in the added costs and reset the clock on your amortization.I’d start by running a simple breakeven analysis.

Let me reset the frame a bit because several assumptions in this thread are coming from a rental lens, and that isnot the context of my post.I’m not talking about being a landlord in C and D class rental neighborhoods.I’m not talking about Section 8.I’m not talking about $30K war zone houses where tradesmen refuse to show up.If that were my model, I would agree with almost everything that’s been said.My point was much narrower:Price point alone does not create the risk.Misaligned strategy does.A $50K house run as a rental is a completely different business model than a $50K house sold on terms to an owner occupant.

Quote from @Jules Aton:  I believe a re-set in expectations would be helpful.