I bought a house in 1994 for $68000. In 2008 I refinanced it to pay off my ex wife and to upgrade the kitchen. In 2010 I began renting the house out. After doing $22582 in renovations I sold the house in November of 2016 for $184000 but still had a balance owing on the mortgage of $89560. After paying closing costs his netted me $68200. What is my Capital gains tax? The tax laws and terminology are confusing at best.