Shouldn't you also factor rent into your calculations? I don't know how high it is on 200k property, but I assume it's significantly higher than 5k/year. Owning

Shouldn't you also factor rent into your calculations? I don't know how high it is on 200k property, but I assume it's significantly higher than 5k/year. Owning a house is risky for the reasons you've mentioned, but might give you higher returns.