I wouldn’t personally purchase a home that expensive with only putting that much down. Obviously Bitcoin is doing better as an investment, but if you’re saying that people should rent (pay someone else’s mortgage-giving them equity instead of yourself) is a better move than owning, that’s not my experience. I rented shitty tiny apartments for the same price as my mortgage now. The rents have gone up and my mortgage is the same, leaving more money for Bitcoin. The market is fucked right now and if I had waited, I would have been priced out and probably would have never been able to own anything. There’s things you can do here like  converting garages into ADUs as rentals or overfitting solar panels and selling power back to grid/while also getting tax credits that factor into those calculations.