In addition, if you are buying the second home to rent out, then you have to add the rental income as a return on investment. In practice any form of ownership

In addition, if you are buying the second home to rent out, then you have to add the rental income as a return on investment. In practice any form of ownership to use yourself is avoiding a form of paying rent, and any ownership not meant for personal use usually involves receiving rent. That’s the thing with property, it is as much a service as an asset, and you can’t make a fair accounting without taking the service side of the equation into account.