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Isn't what you describe using your own capital to use as an investment instead of paying down the mortgage?

How do you use the leverage (debt) from the mortgage to put in a 5% investment?

I already owned the house free and clear. Was offered stupid (good) terms for a mortgage so I took it. Used the money to create a return that pays back the monthly interest and principle while still creating a return AND tax deduction.

Ah, thanks for the explanation. Unfortunately not something I can do.

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