I think you're on the money, I just had one point to add. When you say:
Buying an individual house as a financial investment itself isn’t really any way to build any kind of wealth unless you were able to buy in an area that is expected to greatly appreciate and flip it.
But I'm telling you, that if a person owns one house, they can use that to get another house. And another. I've seen it happen -- and I think it's the story behind these 'mom and pop' landlords that own like 20 properties. So while an individual house isn't the best financial investment (although honestly, I disagree with this even), it can be a fundamental step to becoming a kulak which is the American dream.
I think you're on the money, I just had one point to add. When you say:
But I'm telling you, that if a person owns one house, they can use that to get another house. And another. I've seen it happen -- and I think it's the story behind these 'mom and pop' landlords that own like 20 properties. So while an individual house isn't the best financial investment (although honestly, I disagree with this even), it can be a fundamental step to becoming a kulak which is the American dream.