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gtpvette, I'm with you. First house I bought in the early '80s what a 15.4% loan and mortgage insurance. Sold it in three years (divorce sale) and basically broke even. Rented for a while, bought a house in Florida, owned it 8 years until the mid 90's and basically broke even after sales fees.
Current house is paid off. We'll either live there through retirement or sell it and pay cash for a "retirement" house. Haven't had a mortage in almost ten years and will not go back.