Instead of repeating myself, let me hear your side of the argument. If my property increased 9 times in value and I can:

A) Sell it and get that money right now, or

B) Mortgage it and get all or part of that money right now, then pay it back in the future.

By what kind of logic have you not made money from the value increase?

> You are effectively claiming that getting a loan is making money.

No, I said that you made the money when the value increased. Your ability to take a loan against it is the evidence that the value in fact increased. I never said anything else.