The US does substantially favor “primary residences” vs other forms of capital ownership, basically for the reasons you give. Renters, typically, receive fewer such protections (but this depends on the state).
Borrowing against a potential future gain is not realizing that gain, and such a loan incurs the risk of losing some (or all) of my equity in the home.
The US does substantially favor “primary residences” vs other forms of capital ownership, basically for the reasons you give. Renters, typically, receive fewer such protections (but this depends on the state).