T-Rex: House shopping is what you do when you think, "Man, rent is pretty expensive! Furthermore, I'd like to paint a bum on the wall and not get in trouble."
T-Rex: So you decide you're in the market for a house!
T-Rex: Now you've done it. Now you're looking to spend HUNDREDS OF THOUSANDS OF DOLLARS on a single object. This is like spending all this money on - I don't know, a cookie. Only, you can't eat your cookie, and when you're not looking your cookie can BURN DOWN. Oh! And your cookie is SO EXPENSIVE that the time you'll take to pay back the loan you'll need to buy even a tiny cookie is routinely measured in DECADES.
T-Rex: Man! I hope this stupid cookie is worth it!
Utahraptor: Your cookie can increase in value though!
T-Rex: Sure! But it can also decrease in value, both due to events ENTIRELY OUTSIDE YOUR CONTROL.
Utahraptor: But your rent money can now build cookie equi- look, can we say "house" and not "cookie"? This analogy isn't getting us anything.
T-Rex: I disagree!! It sounded like you were about to say "cookie equity".
T-Rex: Hello?!
T-Rex: That certainly sounds like an analogy worth pursuing to me!
