That’s fantastic but if your home doesn’t increase in value over time I’m not really sure how you build much equity, I bought my home 9 years ago and it’s worth exactly the same as it was when I bought it (as per 2 separate appraisals). By making my payments on time I have built exactly 10% equity over 9 years, not sure how you got to where you’re at…a small million dollar loan from your parents (like Trump had)?