In my opinion, real estate is terrible investment -- you can't move it, all the tax vultures know where it is, and are always conniving how to scrape value off of it and away from you, hostile tribes may take over your neighborhood at any time, and plus it's always needing repairs. And going into bank debt to get a home is even worse. But still, one needs a family base for living and raising children, and NOT owning such has serious downsides, too. So I say wait until you can buy your far-away-from-invaders dream home outright and still keep 90+ per cent. of your BTC.