Ive had a good score, had time to mess it up with a medical bill and have almost rebounded.

Aspiring real-estate mogul, and self-made millionaire, my story:At age 27, I bought my first home in Seattle on Feb 2012 at the beginning of the real estate rebound from ‘08.

That still wouldn't stop me from keeping a close eye on certain areas that are being gentrification and rebounding faster than others. 

I've been convinced for years that this is the best conventional loan product on the market, and yours is tied up with a property that doesn't cash flow in a market that hasn't rebounded (during a time, by the by, when prices are going crazy in a lot of areas, so much so that many markets it's tricky to even find a deal).2) Really more of a continuation of #1, I suppose, but the equity paydown isn't terribly useful when you're still underwater.

Although Tucson is rebounding, it is not quite up to national standards.

When Brexit happened everyone was like HERE IT IS but it quickly rebounded.

Hopefully......hopefully, someday the market will rebound and you'll get the most out of your investment.

Both markets crashed from 2007- 2009 and real estate continued to drop while the stock market rebounded and started to rise for 5 years, so it is wise to have both assets in your portfolio.Hope this information helps you.

Rents are unlikely to fall as much as home prices even with a crash, and fifteen years will likely take you  through both market crash and rebound.  

The gap is small enough that I'd try to close it in another way before selling if I were you and think of it as you tenant paying your debt while you wait for the market to rebound further.