Do you have any experience with real estate or bonds, or is this just your pet theory. While this sounds great to people who love to hate on anything financial

Do you have any experience with real estate or bonds, or is this just your pet theory. While this sounds great to people who love to hate on anything financial, it is entirely wrong. You're basically arguing that more risk (larger loan) is cheaper. But of course, if you were right, you could point to good data in this. (Remember to properly adjust for credit quality which is probably proportional to housing price.)