It is the way to do it, but is not well executed by most, which is why the credit companies offer it. I don't know if it is still the case, but in Australia it was possible to do it that way using housing loans and more than half a loan period. Problem is, a little slip up was very costly and many people ended up actually extending their loan period. For the most part, the house always wins.
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Be the House. Build up a few Million useless US$ and borrow from yourself. Make passive income on Youtube.