<prompt> Human: Im planning on buying a condo in the next 6 months and I mentioned to my father that I was thinking of buying a 300K 2Bed2Bath condo in cash. He was adamantly against this concept as he felt that my money would work harder in the market if I just put 20 down and invested the rest. I like the concept of the increased cash flow, lack of debt and the possibility of renting out the additional room for supplementary income. I have zero debt and I have a 100K loan that I lent to a local business maturing at the end of February. Is there a compelling reason not to buy this place in cash? Additional details below:Im 29 years old, living in Chicago working in technical sales at a tech company. I plan on living in the area for at least 5 years.Income: 128 Salary 42K BonusCompany ESPPRSU: 42KCashEmergency Fund: 20KInvestments: 305K Retirement: 110K 50 Roth and 50 TraditionalLoan maturing in February: 100KOther Investments: 75K  <response>: Buying in cash reduces risk due to bum investments and somewhat simplifies the finances of the thing. Mathematically, getting a low interest loan and investing the rest of the funds is probably the correct choice as youll probably come out the other side with more money.Its really up to you whether the additional income is worth the risk and effort. 