Now if my money was trapped in the properties and I wanted to get in on the CD bandwagon I'd go to the bank and say hey I want some of MY money back. 

Some easy DIY to use in your landscaping plan: Applying the best organic weed/feed treatment for your area during this spring season to encourage a lush lawn, mow every 10-21 days (depending on rainfall and growth rate), use an edger along the hard surfaces of your lawn (along the driveways, sidewalks, porches, etc. which gives your lawn a more defined look), trim hedges and trim limbs back from property (discourages insects and birds from trying to find entries into the property), replace and put down fresh mulch/pinestraw around trees, flower beds, bushes, and shrubs.Please let me know if that helps.Best to you!

Also, check the vents and filters in the unit as they will trap and spread odors.

I still get caught in that trap and now I at least recognize it (sometimes) and tell myself to just push through regardless of how prepared I am.

I would check if the system has a grease trap , if not check on having one installed .  

And this is the trap - you cannot. 

Or are you feeling trapped by this circumstance and believe you must sell?

You don't want to fall into the common trap of rolling short-term debt into a longer-term amortization.You are asking the right questions.

If the market drops substantially or tanks in say 5 years, I will be trapped in my house.

I will bet it's the wax ring on the bowl, $10 ,  or the shower body 150,  I assume you checked the P TRAP, so what else could it be ?