A few issues with your two points, I think, are that real estate values don't always go up forever, even in hcol areas. It's not always evident what areas are a

A few issues with your two points, I think, are that real estate values don't always go up forever, even in hcol areas. It's not always evident what areas are about to have years and years of high growth. Now, buying a home for your own personal use and as an investment is a better proposition. But you can only have one of those and you can't get such low interest rates and low money down for investment properties as you can for a personal home mortgage.