Say you buy a vacation home and want to be able to use it spontaneously. Then you have to put it on Airbnb for short-term rental, and have a property manager an

Say you buy a vacation home and want to be able to use it spontaneously. Then you have to put it on Airbnb for short-term rental, and have a property manager and cleaner. All that costs money. Then you have to pay taxes on that income. On top of that, you have to take on the whole risk yourself that the renters don't trash your house. Yes Airbnb has some program but they also have a great legal team to defend themselves from paying out. For many people it just isn't worth it.