Upside for reit is rather limited can capped by its NAV.

Reit is more a dividend yield play only. If one intends to look for major capital appreciation side, then reit is not good place to be.

This is what we call carry trade or using other money to earn money for you which if market work out in favour with you, wealth can be built quite fast while sitting enjoying the return without much sweat but with a high risk.

Not only cover the margin interest but extra cashflow as well. Just like Neo18's case, if market just moves sideway, without any appreciation in price and margin interest and yield of those invested reit or stocks, it easily earn extra few ten K of cashflow every years just with 2 main criteria, yield doesn't drop too much and margin interest held steady.

That's why I previously said, new millionaires or new generation of milliionaires will be emerged after this bear market ended.

But this could be the longest and deepest bear market in our life time, so invest at your own risk.