Right and the only reason in my case it's an "investment" is because I was single when I bought at 129,000. I just recently sold at 179000 minus tax proration and concessions. My net proceeds was amazing and currently live in a 2 bd townhome my wife bought before we got married. Currently holding until I can build a bigger nicer home through my company and save on the builder fee and large down payment. Worked for me but not everyone like you mentioned as a whole.