I just saw a “financial advice” YouTube short that recommended 3.5% down payment and investing the rest in the stock market, assuming that the returns will exceed mortgage interest payments and fees. It’s a risky approach, but the rates aren’t necessarily predatory in the USA - instead they make you buy insurance (PMI) for if you default, which adds to your payments
I just saw a “financial advice” YouTube short that recommended 3.5% down payment and investing the rest in the stock market, assuming that the returns will exceed mortgage interest payments and fees. It’s a risky approach, but the rates aren’t necessarily predatory in the USA - instead they make you buy insurance (PMI) for if you default, which adds to your payments