Equal-monthly-payment requirement in § 1325(a)(5)(B)(iii)(I) applies to real property and precludes balloon-payment plan that pays real estate–secured claim through sale or refinance. “I read § 1325(a)(5)(B)(iii)(II) to impose the additional condition of providing adequate protection when the collateral involved is personal property, not to reach back to eliminate the requirement for equal monthly payments as to real property collateral. Had Congress intended [that] result . . . , it could easily have drafted § 1325(a)(5)(B)(iii) to begin not by the single word ‘if,’ but by the phrase ‘if the holder of the claim is secured by personal property. . . .’”