A small home with a beautiful nature scenery view - owned by you
It is better to own a small home rather than have your bank own a large home. Small homes can easily be paid in full, paid in cash by you. Large dream homes almost always are owned by banks and thus may get lost from one day to the next if all economy and things go wrong in your life.
Thus it is much better to start small but have all your life and your home under your own full control - owned b y you, managed by you - your way!