On the one hand you’re getting someone else to make full payments on your mortgage. On the other hand, it’s your sole property and the only way you could maintain ownership of it. You weren’t profiting over cost, or collecting money from the renters that would go to maintenance (the only actual service/labor that landlords perform). Your choices were practical, not profitable. At least less profitable than you might think. Profitable to the minimum that the system required for you to keep your one home. Short of a revolution where all mortgages are zeroed out, it sounds like you did the best you could.