Ok yes but even if this was a rental home and the renters basically paid the mortgage.. so you didn't get any utility out of it. 30 years later you made $200k,

Ok yes but even if this was a rental home and the renters basically paid the mortgage.. so you didn't get any utility out of it. 30 years later you made $200k, even if you put basically nothing down. As a return it's a lot percentage wise. Overall though, it's not life changing for most people. It only gets crazy money in the most desirable of areas. And that desire circle is basically described as driving range from the highest paying jobs.