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Opportunity cost means makes purchasing with a mortgage wiser than buying cash. $1000/month more for a few years is nothing compared to the property value increase of a $1M property

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Where I live, condo's do not increase in value much due to HOA fees and taxes.

I just plugged in some numbers using (estimated) purchase price, taxes, HOA for the unit I'm in now, and it would cost me a little over $1M over 30 years to own a $300,000 1br apt.

See my other reply about what it costs to own a house.

The stock market goes up more than the housing market. When considering the return on investment for a house, remember the property taxes, insurance costs, maintenance costs, repair costs, 6% real estate commissions, and so on.

Of course of course.

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