I am a new homeowner as well. I couldn’t agree with you more. As soon as I moved in, I needed a new water heater. And it’s not just the maintenance that is inevitable, it’s the property tax and interest and HOA (for me). Yes, some of it is tax deductible, but you’re still giving money to other people for the privilege of having a place to live. And tax deductions is not that big of a deal. You still pay taxes.