This a16z podcast: Real Estate — Ownership, Asset, Economy kind of blew my mind.

“So, right now when you want to find a place to live you’ve got 2 choices. You can rent, which means you own 0% of your home, or you can buy which means you own 100%, usually from the help from a mortgage from a bank.

But why can’t you own 80%? Or 85%? Not only would this make owning a way more affordable, but, it would also mean you wouldn’t have 300% of your net worth tied up in this one asset which is completely against all standards of diversification.

Mind blown.