Sell it. Look at the cost of buying a used '04 Tacoma now, and figure that's about what you would need to buy a similar '07 in 3 years, if you wanted one. It looks to me like you save about $1000 in depreciation by not holding it (not to mention insurance and maintenance--vehicles don't really like to sit idle for extended periods), not to mention any earnings you get from the invested cash. (Unless you think your time is more valuable than that and therefore it's not worth your aggravation). You can always buy a less expensive vehicle in the future too.