Any financial guys out there. Here is my question. I have a rental that the mortgage is being paid by the renter. Now the question is do I refi and lower my mortgage by $260.00 a month and put that money into a retirement fund or sell the house and get between 70k and 100k and pay the 15% tax on it and then invest that? I'm 58 this year and little to show for retirement as I have always worked for very small companies that never offered any type of retirement plans. We have some that we have put away but not as much as we would like.