You need to use other methods to increase the return. Start a home business, and deduct the office expenses. Rent out a room or a basement and collect incom

You need to use other methods to increase the return. Start a home business, and deduct the office expenses. Rent out a room or a basement and collect income this way. Also, you haven't accounted for the cash you've saved on rent. Owning a house is also a decent way to protect your equity from inflation. Given the likely high immigration rates in the future, housing values will continue to rise as demand increases. ymmv.