Exactly... thanks for the extra details!

My main issue with your using “buying a house for $120,000 in 1990" is that you totally didn’t mention mortgage interest rates were over 10% in the first 11 months of ‘90 which more than negates that 8% return on the CD. Why don’t you take some more time and use inflation adjusted numbers, then you would be comparing…

... But your giving keys to entrusted people also fails. Since for multiple reasons anyone of those people can access your home whenever and if ever they feel like it when your not home, and you would potentially never know. It’s similar to giving out your password of your computer to your neighbors, would you do…