I agree with this, interest rates are low. Also keep in mind even if companies have $10 billion in cash, they still take out loans just because they can get the

I agree with this, interest rates are low. Also keep in mind even if companies have $10 billion in cash, they still take out loans just because they can get them, and then save the cash for a time when the economy is horrible and no one is giving out any loans. Also if this were the 1980’s and home loans were like 12%, then obviously maximum down payment.