Right now that's the biggest risk I see. And while some are downplaying the risk of property values falling much, properties in some areas are so expensive that most people cannot afford the mortgages needed to buy them, and the speculator investors may be caught short when the buyers coming through the door slow down significantly. That risk increases significantly if we draw into a serious recession later this year or next year. And that is a possibility. Thus, there is a real risk, at least in some areas, of significant price drops in the not so distant future. So selling now to capture the current high price you can get makes sense. If the prices fall later, you'll kick yourself for not having sold it for more when you could. Having enough equity in it to ensure that the future price won't at least put you in the red should you need to foreclose is, as you say, the best protection if you are going to carry it. I'd rather find a cash buyer than finance it myself given the uncertainty of the next year or so, but sometimes you can't always get what you want.the argument could be made that the property will fall in value by that much. but i would say that is unlikely. although it is true that values are way high, at the moment.