That kinda works in the abstract, but it's pretty risky for any individual house. If your house was somehow a representative slice of all US housing, sure mayb

That kinda works in the abstract, but it's pretty risky for any individual house. If your house was somehow a representative slice of all US housing, sure maybe it won't drop 35%. But if you owned a house in Detroit from 2003-2010 it might have dropped 70-80%. Or, more on point for many on HN, if you own a house in the Bay Area worth $2-$3M with 25% equity, and the tech job market collapses, then you might get completely wiped out.