AN, I’d be less than happy if I took a 20% loss on this place, especially if you mean in real dollars. The monthly payment would be a third of what it’d be today and put me that much closer to owning it outright. Of course, that’d open up my options in a lot of other ways as well. That said, I honestly don’t see that happening with this property. Could happen, but just doesn’t seem likely.

As far as me giving people grief about their long-termedness, I generally caution first-time buyers to be careful in thinking they’re going to be keeping a house longer than they actually will (or not thinking about it at all). If you think that’s grief, then so be it.

This is a settle down house. The only signficant risk to that is marital status and we seem pretty good on that front.