Well, yeah. That's why you can't finance 100% of the house and that's the problem with paying the minimum 20%. If the value drops 10% and that applies to the

Well, yeah. That's why you can't finance 100% of the house and that's the problem with paying the minimum 20%. If the value drops 10% and that applies to the whole neighborhood, you still have about the same downpayment for a comparable house. You really don't want to be moving around often, anyway. If the house stays the same and you move in a year or two (before you build much more equity) you lose money in fees...not to mention what a pain in the ass moving it. The only time your'd fully realize any gains or losses (outside of being upside down) is when you downsize or move to an apartment. That's never really anyone's goal. A house is a terrible investment tool and shouldn't be seen as one.