I'm always a fan of #4, but I don't things have bounced back quite well enough yet. I'd only bail out if you got the roof of and discovered your house is rotten to the core and you need to get out before it turns into a money pit.

I'm keeping up on my maintenance and upgrades to keep it competitive with it's comparable sales in this area and just sort of keeping up appearances & bidding my time before I can get out what I've put in.

You think a new roof is spendy, go get a couple estimates on new windows.