I don’t think there’s a “right” answer to this question but here’s my opinion: But a home that is very affordable using a 30 year fixed rate loan with a low mo

I don’t think there’s a “right” answer to this question but here’s my opinion: But a home that is very affordable using a 30 year fixed rate loan with a low monthly payment and no early repayment penalties. Pay back monthly more than required, such that you’re on a 10 or 15 year repayment plan. Pocket the rest as savings, with some discretionary spending money. In 10 years (earliest) you own your home and should have a pretty sizeable investment portfolio. You now have an option - do the same thing again (2nd home) or double down on stocks / investment knowing that your primary residence is secured. The trick in finance is avoiding interest and fees over the long haul. Buy, hold, invest. Be patient and modest while you are young. Your dream home will be there for you in your 40s with this plan.