Even if you aren't underwater, it still sucks to lose a quarter of your down payment because the value of your home dropped 5% in a year. Also, you lose 6% tot

Even if you aren't underwater, it still sucks to lose a quarter of your down payment because the value of your home dropped 5% in a year. Also, you lose 6% total from real estate commissions; consequently, it is much harder to move between owned homes and rented ones.