perfectly healthy trees falling ect it is usually considered an act of god or something along those lines and they should go to their car insurance.  

The fact that there is not much appreciation can be okay, as long as you have healthy cash flow.

And even if you refinanced into a 30 year mortgage, it still doesn’t seem that you would cash flow.Unless you can raise rents and Refi into a 30 year term in order to have a healthy cash flow, then selling is probably your way to go.

with no further impact to your credit score#2 - your credit score WILL RECOVER with healthy credit habits. 

You said it best, trust is a two way street and may I add, we all need to trust each other a bit until there is reason not to, if maybe even only for the sake of our mental health (not healthy to live that paranoid all the time over everything). 

Indy's population growth between April 2010 through July 2018 was 5.7% which is a healthy growth rate.

So my parents are separated in age by 14 years and my father's health is declining a little more rapidly than expected. 

Personally, I like to watch inventory over the 200k mark because I think it's a very healthy way to track the market.

Condo sales throughout the island have also remained healthy. 

@Tyler Brown,It sounds like your focus is on cash flow and your pretax return, but I would encourage you to look at your total return and consider the other benefits that real estate has to offer: amortization (not applicable with no debt), tax shelter (depreciation and deductions), appreciation (around 8% based on those numbers), and cash flow.Appreciation is very healthy based on the numbers you provided.