For the past year we've been considering moving to a new home. But there are so many possible ways to do something like that.

1. Sell our home, buy a new home.
2. Sell our home, rent a new home.
3. Rent out our home, buy a new home.
4. Rent out our home, rent a new home.

But selling our home is not realistic at this time. We would end up losing a lot of our equity...selling at a loss. To me that's just silly. We're going to hold onto our house at least until we can get our original money back out.

We also learned that we can't rent out our home and then buy a new home. The new lending rules are so strict that they won't allow us to hold two properties unless we qualify for the total amount (both home loans added together). And that won't work.

So basically we can rent out our home and rent a new home. Hmm, moving is such a hassle.

The end result: we're staying put. We're going to refinance, if it makes sense, and then wait until they will allow us to qualify for a new home loan.