Another negative equity on Rented Property thread

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poorpeter

Guest
Have a property rented out at €950 P.M., mortgage repayments of €1,400 P.M., With other bits and pieces, Insurance etc, I'm down a good lump of Euros per month.
Mortgage is €275,000 - worth probably €230,000 with a tailwind, and would need to be that low to sell, perhaps even a little less.
My better half and I are simply fed up with it, it's causing stress now.
I am able to subsidise a fire sale with a loss of up to €50,000 absolute max. so I do appreciate that we're far from the worst example out there, especially having read some previous threads here.
Question is........ any ideas on what I should do? Is there something we're failing to see?
If the loss is €7,000 per annum, then a sale now with a loss of €50,000 is seven years losses packed in. Personally, I simply cannot see a recovery to pre-slump prices or anything like them in that time frame. Plus, a sale will ease the stress levels, and that has a value too.
Any thoughts?
Thank you.
 
No point even thinking about it. Sell.

I'm belatedly selling a couple of properties at less than half 2006 prices because -belatedly- I realise there's no chance of prices increasing for years. Plus I want to clear some loans that will only get dearer as interest rates increase .
I've delayed too long thinking perhaps things will turn around. And I actually feel better taking the decison I have.
Your point about the stress levels is the best point of all....
 
Where are you getting the valuation from? When did you buy and at what price. How much is it really costing you? Selling looks like your best option.
 
Thanks Bronte and OldNick,
Bought it for €315000 - we thought we were lucky because the next phase and subsequent phases in this 2006 new development started at €345000 and actually went for in excess of €400000 for a period.
Valuation is via local estate agent - all she can shift are homes where the owner drops way below the standing lowest in the area - that's what my estimate represents. May still be no buyers out there.
So, no magic wands? What a lesson we've learned!
 
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