<prompt> Human: I 30M am planning on using a margin loan to put a larger down payment on a future house. I am looking at a house about 420k and a mortgage rate around 3.75. I would like some help determining how much of a down payment to put against the mortgage. The down payment would be made up of the 65K from the sale of my previous home and a Margin Loan. The Margin Loan is against about 450k in invested assets 80stock20bonds. It would be a variable interest rate based on the fed, but currently at about 2.25. It would be paid off quarterly using dividends from the investments. Historically, this account has had an 8 annual rate of return. I understand I am borrowing from myself but I am concerned about how this will effect the future value of my assets. I would like to minimize my PI to less than 1150month to maintain with my monthly incomebudget. This would be a Down Payment of around 175k 65K equity 110K Margin. I estimate the term would be about 6 years 4k3months.Is this smart? I think my other option is to make the minimum 20 down payment and hold dividends to make up the monthly PI difference. Or get a cheaper house.  <response>: Get a cheaper house. Jesus. An unexpected margin call will fuck you really hard. Besides, a lender is unlikely to even approve such a stunt. 