@Ronald PerichI didn't lose much, but just $2000 on gambling alone.......ouch!

I'm just concerned I may not get the full amount, is it a gamble 50/50 that I will get my money or am I guaranteed to win?  

Its big gamble but I have the option to pay it off anytime after 3 years.

Appreciation isn't just a guessing game or gamble, there are strategies to position yourself to get it when it comes, but you are right, it is not predictable in the short term.

It could appreciate but I consider that gambling.

@Shiloh LundahlOnly way you are getting true passive income is from legacy stocks, stuff like Coca-Cola KO, Procter and Gamble PG, and Johnson and Johnson JNJ.

"Investing" for appreciation is not investing - it's speculating (gambling)."

It is just speculation aka gambling ,hopIng ,and wIshIng that everything goes up In value over time

hahaThe reality is that if building owners are not anticipating changes in Legislation to affect a certain building class in the future, they are gambling with their particular asset class.I knew a long time ago (21 years and counting) to make sure I invest only in buildings that has a high probability of never being the target of rent regulated.THUS, this logic continues to push up my building's values.This goes with ANY Investment, not just Real Estate.Take Insurance Companies, for example.

It seems like a better play than gambling on the next two years when we have obvious headwinds to further growth.