Banking on appreciation is RISKY, but it depends on your tolerance.

I read somewhere that was a good way to do it personally if you can tolerate the moves every year or two, as the capital gains gets deferred each time you upgrade.

All investing is risky, and we each mitigate those risks in line with our individual risk tolerance.

I think there are a lot of adults who could benefit from learning safe sex practices, tolerance for others, and science -- not just kids.

Interesting, I see your point more clearly now, @Nazz Wang You make some great points and ultimately it will come down to risk tolerance.

Great place for builders 5th ward -- opportunities are available , i would say plenty but you need to be a bit more tolerant about current staging per say of the location .

@Jonathan Twombly  from my vantage point.. those with massive debt tolerance or the refi to you die or the I have to have max debt to show the best return numbers for my investors.. so they lock into short term 5 year notes.. those are the one's who are vulnerable in a correction. 

That depends on the individual and their risk tolerance. 

You either have to tolerate their underperformance  (or poor service or unreasonable pricing) on one of their two services for the sake of keeping the other - or you have to dump the entire firm and start from square one.- Yet another problem: turnover.

Our risk tolerance is different, our hands-on preferences are different.