Originally Posted by Bobert

Is your residence paid for? If you're renting just put all that down on a downpayment. Interest rates are at best around 4.5% if you put that money down you're earning 4.5% on it and your property value will go up every year so you're actually earning like 10% on it safely. If the market tanks too bad, you still have your investment. Try buying something for cash. You can always borrow it back if you feel you can invest it for better then 5%. Just get a home equity loan!