If not that it's an insurance against future rent payments and it creates different options. The total cost of ownership with a high likelyhood for an well-pric

If not that it's an insurance against future rent payments and it creates different options. The total cost of ownership with a high likelyhood for an well-priced and appropriate property with appropriate mortgage payments is lower than runaway rents in hcol areas. Lastly, you can trade property value and QoL by neglecting upkeep at any time to make up a shortfall in income and even "run down" the property over quite some time, at extreme levels not even using utilities, which is not an option if you're paying rent -- try neglecting your rent payments.