where exactly does a house make no return, especially in say last decade/15 years? I bought three houses in the last 20 years, one doubled, one up 70% and one 40% (still occupying it)
Btw, was your 40% increased house purchased 20 years ago? If so, that's effectively a loss, and I'm not even sure about the one that doubled. 5-10 years would be different.