My thought is that if she times the market well — and doing that is tough I know — that she can pay the lowest possible price. Yes, that involves debt, but of a kind she seems interested in taking on secured debt within reason.
Looking at this from the perspective of a 50 year old, investing in property is the only thing that has ever substantially increased my net worth. I know that the era ahead is going to be tricky, but that is still how I see things.
When I was in my 30’s I had way too much unsecured debt. That was a nightmare.
