I dont ever expect to sell my home. My plan is to gift it to one or both of my kids as residence or rental, whatever works for them after I pass. Who knows things could change and I’ll deal with whatever comes my way. I have and will have the assets to pay it off if I want to or need to. I have no expectations for my homes value or for anything in my life for that matter. Thats not who I am. I’m just not wired that way.