You have paid interest for four years. If you want to sell it, you need to pay off the house payment and cancel the mortgage. The interest for these four years is your loss.

In addition, if the house is sold for less than five years, you will have to pay taxes. Holding for 2 years can be exempted from business tax. Paying more taxes and fees is also your loss.

You have paid the down payment for four years and have no income. If you deposit it in the bank, you will have four years of interest income, which is also your loss.