I can see how leveraging the fiat credit/debt system while holding sats is a sensible approach. Even in the case of a default, your sats cannot be confiscated as long as the private key material remains solely in your possession.

For me, however, I place high value in not being bound to external parties in debt relationships. Dave Ramsey and my personal experiences with consumer financing has shaped my perspective in this regard.

I also believe that I store of value is only as good as your ability to spend it eventually.

Those two reasons shape my desire to fully purchase a home outright using bitcoin and bypass the lending system entirely.