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Home Purchase

Big Idea:

What are the long-term wealth advantages of using OPM instead of your own cash for major purchases?

Buying a forever home is a major milestone, yet most people aren’t taught how to approach it wisely. While FHA loans allow for just 3–5% down, many still put down 10–20% or more, despite real estate historically appreciating only ~5% annually. Savvy investors know it’s often smarter to put less down, use other peoples money (OPM), and invest the difference in assets with higher returns, even if it means slightly higher monthly payments.

In This Model:

  • Key in the basic inputs
  • Set checkpoint year (1-30)
  • Set Estimated Bitcoin CAGR (0-100)

What We’ll Compare:

  • Traditional Scenario based on inputs (Tradfi)
  • Bitcoin scenario with 3.5% down, remaining cash invested in BTC
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