I think that lenders rationally avoid making low, fixed-rate loans for more than a handful of years to indemnify their interest rate risk.

But there is a certain underlying assumption in the above that people are acting rationally.

While I share Don's sentiments about rational self-maximization being the primary motivator I also find it helpful to have a slogan that makes for a nice conversation starter.

RUBS stands for Ration Utility Billing System, and uses an allocation formula that divides a property’s water bill among its residents based on a ratio of floor space, number of occupants, or some other quantitative measures.

(eye roll)....Any tenant that rationalizes like this, I can do without.

You are being rational, and longer time on the market is something we all wonder about.

Can someone please help me try and make a good rational decision as to what to do at this point?

Looking back, not a gamble, but in 1990 that was slightly unconventional thinking partially backed by IRR rational.

Because of the debt we have incurred, we have a high debt to income ration, around 48% right now. 

But it has to be a rational fear...irrational fear is "false emotions appearing real".