You’ve been holding it since $3.5 right? Anyway....
In order for me to lose money on my house, it has to fall below $500k. It’s currently valued at $1.3 & I owned it outright. I also have the benefits of not paying rent. My other investment property is on positive gear & it has to slip below $300k for me to lose money. Currently it’s valued at $630k. I started to buy my first house at younger age when all my mates were all buying HSVs.