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Reading the post to the end made me realise how conservative I was, some of you on SS have really different risk appetites! I remember few years back when attending a seminar, I was told by some younger people, Gee, how slowly and hard way I built up my portfolio (Basically since I never drew...

Happened to me few years back. I did not know the 10 years were up and 3 loans reverted to P&I. I had to refinance. Luckily circumstances were good, lots of CG plus serviceability was there!