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All the calculators include leverage, yes.

In fact leverage is absolutely required for real estate to even be considered an investment, and not even a good one. The fees, interest, etc are eating all the gains from the leverage.

A leverage also goes both ways. Making the housing investment so much more risky if not well timed.

Houses in Denver for example went down close to 10%. Now imagine you leveraged this...



Completely agree. I have always myself been a proponent of renting and investing in any other assets.

I'm a dane, and we have a very unique mortage system, so I might not have as much feeling in that regard with the rest of the world.

In this case, I just felt leveraging was left out of the equation in the discussions, so it was hard to follow.




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