When any of those two events you listed occurs, you are right, you should make a move.

Theft occurs...

It’s not all about the dollars and cents, there’s also the emotional toll that occurs if you have to deal with a lousy tenantQuestions I would have are, are you taking a 401(k) loan or an actual withdrawal?

However, when that occurs, people complain about loosing value. 

I am an owner, this is the evaluation that would need to occur after the neighbor renting above me received an unauthorized occupant violation because of her frequent guest.

@David B West hopefully your "accidental STR purchase" will turn into a happy accident!

Nothing is concrete and these programs understand that life changes could occur in which you would have to move or change things in your life.

That “payoff” typically occurs within 2 years. 

Unless you have actual replacement cost, you will find that your settlement is unlikely enough to cover a rebuild, simply due to the market imbalance that occurs after a disaster. 

Many of these people became landlords/investors by accident, and as a result, their investments are likely to be either cash flow negative or just break even.