Why is it so easy to go into a new home builder and get into a house without putting any money down? Especially in hot markets? I've seen this around my city. I'm in a situation where I have no equity in my home and I want to keep it as a rental. Reason being... I bought it single, now I'm married with family. It's not right, too small, not the right neighborhood anymore BUT it is in a neighborhood that is constantly increasing in value, surrounded by lots of new building and city renovation. I have no doubt it will continue to rise in value and we'll have equity again (refinanced and took money out after having an inaccurate appraisal).Anyway, we can get right into a new home, nothing fancy, just bigger house with smaller yard/upkeep and new, with nothing down.Besides mortgage insurance and having two mortages, what is the downside to doing this if our incomes will afford it?