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> The house I bought in 2020 is worth $120k more today than what I paid for it.

You bought at just the right time. Would buying the same property at 95% LTV be a great decision today?

With potential for a major loss, where’s the asymmetric upside the OP asked about?

I bought 6 years ago and prices remained flat for the first 4 years. It wasn’t until the pandemic fuelled boom that I saw any meaningful growth.

Had I chosen to sell before 2020 it would have been a negative “investment” once costs had been factored in.



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