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Another upside of mortgages is that you don't have to pay rent - though you do pay for maintenance. So you're saving money on rent even while your mortgage is technically underwater, which also influences the equation of how good of a deal buying a home is.

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Good point! Another item to consider beyond maintenance is taxes though. It's complex, so at the end of the day I think it's better to make it a life choice versus an investment : )

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