The excess return from investing the difference can be seen as the premium for the extra risk compared to paying down the principle. What makes sense for a pers

The excess return from investing the difference can be seen as the premium for the extra risk compared to paying down the principle. What makes sense for a person has to be evaluated in that light, and that the utility of money is not linear. I think a lot of people are willing to exchange a little upside to counter possibility of being unable to make their mortgage payments.