McCartney said loans are available for those who don't have the typical 20 percent down payment for a home, although protecting one's credit is key. Despite the natural progression of eventually purchasing a home in life, McCartney said both renting and buying have their advantages. Unpredictably in the short-term housing market can make home valuations a gamble. In the long-run, McCartney said an upswing is almost a sure thing. It goes up and down, but the trend is to continue to go up.
Real estate is that way.