Agreed, the whole buying thing is more when it won't put such a financial strain on your monthly income to pay back the loan so then there is a risk, but houses priced in local fiat tend to at least keep the value measured in the local currency, so if you pay back the loan over 20 years, the strain on your monthly cashflow isn't too high to repay it and the bitcoin you bought with the cash from putting the house down should increase in value over that time. So the net bitcoin you lose is only the difference between what you paid for the house and what you could borrow against it, plus the monthly repayments' opportunity cost, which shouldn't be too far off from what you would pay in terms of rent for that house every month (at least in my country that is the situation currently)

I'm not someone that really wants to "own my own house" and do renovations and all that, so renting is the way for me for sure, but things might change in the future where I need to "own" the house I live in for some reason and then I would take the route above because having as much bitcoin as possible for as long as possible is important imo 🤘