If your payment is massively lower than your rent would be - you won. Someone else is allowed to win, too. It's a zero sum game, and the only losers have been

If your payment is massively lower than your rent would be - you won. Someone else is allowed to win, too. It's a zero sum game, and the only losers have been renters. That can change if there's a massive, sustained housing crash. But I won't hold my breath for that. I'm willing to bet, like always, house prices won't decline. The value of the dollar will decline instead (because the Fed can just easily QE until the only people that lose are renters).