re: Should I sell my condo or not?

You didn't say what interest rate is on the prom note but I personally think it is usually a good idea to pay off debts to family ASAP even if it means taking a financial hit.

That said, it might be reasonable to work out a legal partnership with mom, refinance the condo at today's rates, and everyone wins. Much depends on the details between you and your mom, this is a conversation you should have with her and not with us. Good luck.