So most people will end up dropping term contract.As to believe that invest the difference and that difference would be their self insurance is a gamble.

The all cash buying was an exciting adventure and gives you a great thrill and puts you in the drivers seat.  

As to your comment  Ryan about major markets always seeming to appreciate, I agree but I don't want to gamble on that. 

It will be my pleasure help you out in this adventure.

Good luck in your real estate adventures.

The ones that do great are buying deeply discounted properties and adding value or gambling on price appreciation in great RE markets that have benefited from the market rebound following the recession.  

In reality it has been my most profitable adventure yet and I have only put a third of my time into it.

Looking to start my adventure .

I was a renter in Minneapolis for ~ 6 years, the biggest thing for me was location.I would gamble on the Blue Line Light Rail expanions, as it will allow better transport in and out of downtown to those further out.

I also think it would be pretty nerve-racking to take that money with that guaranteed return and gamble it on the uncertain.