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Yes but the future is uncertain...divorce, economic downturns, disruptions, litigation, loss of job, personal injury, etc etc. 90% for an illiquid asset is as good as fully indebted at best. An agent will take 2-3% just to kiss it off. I would consider 90% to be extreme risk. And if buying...

I believe 50-60% is ok. 80 is too high, a slight wobble in property prices and a need to sell fast can quickly see you under water