Maybe my voting poll was too small but the consensus was that perception is everything.

With the Reagan/Thatcher years perceptions changed and profit was no longer a dirty word.

But when I started this company my whole goal was to change this perception and be the best in this business.Nick Vertucci    

So we can go to patient’s home and give checkups, refill perceptions etc etc.

Its a problem of perception not reality that's why you don't get it @Jd Martin. 

Broadly for me/us I'd just say that our perception of where the market/economy is headed just informs more of a general intuitive appetite for using leverage.My view is that uncertainty in future market outlook (perhaps forecasted by leading indicators) mainly drives price volatility, and perhaps increases risk of lenders 'calling' revolving credit lines to meet their own liquidity needs.The more 'bad' the indicators are, the more chance that we perceive our lenders possibly wanting to 'call' revolving lines of credit, is the way I think about it.  

In addition, you have the tenant perception.

This is an excellent place to start - examining your assumptions, perceptions, biases and fear. 

A perception of a win-win is possible without sacrificing business objectives.What this looks like practically for us:Protect yourself- #1 (especially in California) make sure to insulate yourself, if things go south. 

A few months in the property is well taken care of(knock on wood), and now my perception is the tenant likes to work on cars so has a couple extra around.