And the loan exists in perpetuity (so-to-speak).Conversely, I also have a portfolio loan line-of-credit in place (mine is a commercial loan variant).

Being a real estate investor doesn't mean being a perpetual real estate acquirer. 

Buffett purchase $3 billion of perpetual preferred stock with a 10% dividend.

There is this common misconception among relatively young and newbie RE investors in Canada (more specifically Ontario) that the markets will continue to rise in perpetuity.  

It provides data/stereotypes for different neighborhoods.

I have no interest in paying fees to a corrupt trade organization that perpetuates itself on lies and fear, in order to buy and sell my own property, which I already have the legal right to do as a citizen of a free country.Speaking of fear.

This is technically the rate of return of a perpetuity, or what's commonly referred to here as the "cash-on-cash" return.

In addition to that, there is an influx of people moving to Texas (helping perpetuate the increases).

@Ryan Biankowski could you refi, with your newly added vaue, and use that money to perpetuate forward?  

It’s too great of a learning experience and far too validating of every big bank stereotype for it not to keep playing out.