Ben, by limiting yourself to those two options you lose either way. I am mentoring people who like to learn and actively invest in real estate to reach what I call The Time Freedom Point, also sometimes associated with financial independence. If you came to me and wanted to know what to do i would suggest the following: Stay in the house you own as it appears you like it. Activate the equity in your house by getting a HELOC on it. Then use the line of credit in the HELOC to purchase well performing residential real estate in desirable markets. I can show you how several other fellow Canadians are using my help to do just that. I am happy to help you too if you like. (I am not a broker or sell houses or stuff like that. I am an investor who helps fellow investors follow in my footsteps)