but folks don’t get approved for low-interest leverage (mortgages) to passively invest in index funds

that lump sum at closing has a fair amount of compounding power value vs. passive index fund DCA

my home is beating the S&P 500 over the past couple of years so timeline matters as well 🤷‍♂️ 

everyone’s situation is different and it really depends on one’s circumstances on what the best decision is for them