The current lease speaks to the fact that the house has oil heat and it's the tenant's responsibility to pay for it via a contract with our chosen provider.

After 45 years investing across many asset classes, many investment types, and everything from lowest risk to outright gambles, I think I finally know the answer.The biggest divide is between investments in which operational control over that investment is with the investor, and investments in which control rests with another party.  

It’s just a gamble.  

While it may get your home chosen over an identically priced one it won’t add value.

She could have chosen a much cheaper solution, like go to a coffee shop.

Does the builder have any incentives to work with their chosen lender?

Align your chosen strategy with your financial goals and risk tolerance.

All recent increases and near-term future increases are just gambling.

People mentioning that they put their life savings in something in hopes of a better future is gambling.

There is also the lending field which is quite lucrative if your more into financecommercial real estate if some day you want to be doing bigger deals and making 6 figure commissions checks.. etc etc.to try to start your business as a flipper or wholesaler is tough and it has a 95% failure rate being that it appeals to the mass's of which many frankly don't have the skills to succeed or the financing behind them.OR converselyMake money at your chosen profession save and buy and hold.. buy the best you can hold for long term.. same with buying securities .