Plus we are likely in the late stages of this real estate cycle and if things do go downhill you’ll wish you had more cash. 

January 1st payment was late, and it’s all been downhill from there with this tenant. 

My hobbies are ...keeping up with my kiddos (15,16 and 18), keeping my adorable wife happy, paragliding, downhill/backcountry skiing, surfing and outfitting my sprinter van with gadgets that I may never use because I'm too busy and too broke to go road tripping:-)  I started with a smallish self storage facility in washington state, bought a few local commercial properties, and a handful of houses both local and out of state.  

After this incident it went downhill, he started talking absolute non-sense.

Your first deal is always the hardest and it's all downhill from there.  

It seems the bulk of the damage is the land is starting to break away and drift downhill.

It’s only going to go downhill from here if he keeps her

The area has steadily gone down hill.

It all goes downhill very fast.At least if you have separate loans on separate properties you can sell one property if things become urgent and use the proceeds to solve the problem.

The first step is always the hardest, the rest is downhill.