I know this is hard to reconcile with your own perception of self, but if you own a rental income property, you are wealthy. Quite wealthy in fact. Probably the top 1-5% of people. Take a look at the statistics of average wealth and income from national census data. You may surprise yourself.

Consider, if you sold your property tomorrow, how would your equity VS liability balance out?

In 5 years?

In 10 years?

We both know the longer thing go on, the better that picture looks. And you always have the escape hatch to pull to sell and recover any shortfall of cash. Comparing your position to that of your tenants are completely different worlds.