I think if every property also gain in prices decently while you can get a tenant to cover the installment, there would be nobody working anymore. All become speculator like whats happening in US right now.

Investment is something you do with your extra money, not straining your financial. If you dont have a place to stay at all, then by all mean, buy a house if you can afford it rather than paying rent.

One thing to remember. Many people trade shares too but not all are earning money. That something people tend to overlook. Investment is no guarantee to make money. Make that clear...