My liability concerns are more: Hey, it needs a new roof, that's 5k. Hey, it needs a new furnace/AC unit, that's 3-4k, etc. It's a 10 year old house now, built with "builder grade" stuff when I had it built in '05. There is probably 5-8 years before stuff starts needing replaced with relatively large amounts of zeroes. Right now I'd rather have the equity from it. If I had another 20k in the bank, it'd be a slam dunk to keep it, but as it is, getting hit with a 5k dollar tab for something in the next year or so would hurt. I'm less than daring with my finances, so if I don't have the cash to do what I want, when I want, I tend to shy away from it.