In the case of real estate, the income it doesn't produce adds to the expenses of taxes, utilities and upkeep making the liability even greater.The point about the debtor being "slave" to the creditor, while valid, discounts the idea of borrowing your equity out at x% and lending it back out at 2 times x or 3 times x: your debtor repays your lender and the spread between the two interest rates is income to you.The banksters make a fair part of their profit this way: they borrow from the Fed at 0.25% or so and lend that same money back out at anywhere from 3% (12 times what they pay, current mortgage loan interest rates) to 34.9% (120+ times what they pay, penalty rate on some credit cards).

Additionally, there threat of deflation because of the monetary easing policies of the Feds.  

The grass is likely not greener on the other side.I traveled to several states to check out properties between 2000-2004.  

I think you're being fed a line of BS.

The city has to go through almost 2 months of BS to make some stupid, lazy drug hoarders on one of our rental streets cut the freaking grass.

But to say that somehow anyone who is not rich is their own fault is the BS you are being fed by the system that wants you to remain blind.

Banks get free money from the fed, make loans to people who they know can never pay them back at high interest, have the loans backed by the govt to eliminate risk of default and commit daylight robbery.

What's the Fed do about Hot Inflation?

Hi Shuvajit,Melanie is absolutely correct that unless you are living there and will qualify for some of the new mortgage products that the Feds just approved you will need a minimum of 25-30% down for the project.

Concern #3: The Fed is hiking interest rates and that will cause interest rates to go higher and the housing bubble to burstBubbles are driven by irresponsible use of leverage, we are not close to that (corporate leverage is significantly healthier, when was the last time you heard about NINJA loans, etc).