@Julie Hill If you still receive a sizeable cash flow that covers the expenses and gives a healthy NOI and rate-of-return, I say stay in your tolerance level.

Those are healthy reasons for a market to be stressed.

NOTE: Deflation can also be a result of increased productivity and technology, which is very healthy, but unfortunately that's not the deflation that's applicable to our  macro economy today.  

They look at factors like how old he will be when the loan is matured, whether you are healthy or not, the value of a collateral, or how long he has been working at a company etc. 

I think you will find that there is healthy dose of skepticism and realism here on BP.  

Small, long term gains are healthy gains

If you are healthy, the ability to convert a policy is meaningless.

Cats require a high protein diet; their urine can have a significant odor and it is worse with an unneutered male cat that sprays to mark territory.

@Jay HinrichsFamily is the cornerstone of a healthy and functioning civilization If you want to change the world, go home and love your familyGino

That doesn't mean it isn't a good strategy - if the property still produces healthy cash flow after expenses (which includes future capital needs if you've deferred such), at a minimum you could be rolling the cash flow either back into the home to own it outright or using those funds to prepare for your next purchase.