Dear Mary: We live in Nevada and own a second home in Arizona. My husband wants to sell the Arizona property and then use the proceeds to pay off our credit debt, auto loan, and home equity loan on the Nevada property—about $165,000 total. I disagree. I think we should rent the Arizona property to generate income and benefit from its future appreciation. My husband is concerned that if we are unable to rent it out, we will not be able to handle two mortgage payments plus our other debts as well. What should we do? —Lorna Dear Lorna: Let’s say you sell the Arizona property and pay off your debts, and then it turns out you were right that you could have easily rented the property and made a killing on its appreciation. Even though you would have forgone a return on investment, you are debt-free, and you own …