[quote-UCGal]…You’ve had shelter for years. Does that not count for anything? Consider what you would have paid in equivalent rent for that period and it might make you feel better…[/quote]

I’m not even seeking to recoup the “shelter portion,” UCGal (Of course, I’ve been taking the MID on my tax return as well.)

I just need to recoup my downpayment, major improvement monies, my loan balance and selling costs at the time of sale. This may or may not be higher than the the price I originally paid for the property!

I think it’s very sad that people like me (again, LOTS of us) are saddled with this (undervaluation) problem when we didn’t have anything to do with it.