In a word, yes. People here have given you good advice but you argue with them for god knows why. I guess you just want to be right, even when you're wrong.

So, back to your comment. When interest rates are super low like now (~2.5% for a 30 year fixed) and almost zero in any money market acct right now, you are actually losing money due to normal inflation.

The smart move would be to take advantage of the low interest rates of a mortgage and let that money invested in real property work for you.

Still, there is one catch. The banks will require proof of employment, which you refuse to get.