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    I ran the actual 10-year math on Bitcoin vs Rental Property (same $30K starting point) — the results were not what I expected


    https://youtu.be/tlRr1wStdow
    I kept seeing people argue about whether crypto or real estate

    is the better investment, but nobody was actually running the

    full numbers. So I did.

    Same starting point for both:

    – $30,000 to invest

    – Same year (2015)

    – Same city, same income

    Here's what I found after accounting for EVERYTHING:

    REAL ESTATE (Rental Property):

    → $30K down on a $150K property

    → Tenant paying $1,400/month rent

    → Sounds great… until you add:

    – Property taxes: $15,000 over 10 years

    – Insurance: $12,000

    – Repairs/maintenance: $30,000

    – Vacancy (1 month/year avg): $15,000

    – 600 hours of your own time managing it

    After ALL real costs → roughly $175,000 to $195,000

    in total equity after 10 years

    BITCOIN (Held without selling):

    → $30K invested in 2015

    → Watched it drop 84% in 2018

    → Watched it drop 77% in 2022

    → Did NOT sell either time

    After 10 years → roughly $1.5M to $2M

    (after capital gains tax)

    So crypto wins, right? Not so fast.

    Here's the part nobody talks about:

    Studies show fewer than 8% of Bitcoin buyers

    actually held through both crashes without selling.

    The other 92% panic sold at the bottom and

    locked in massive losses — ending up WORSE

    than the real estate investor.

    Real estate had one massive hidden advantage:

    You literally CANNOT panic sell a house at 2AM.

    The illiquidity that feels like a weakness

    is actually what protects most people from

    destroying their own returns.

    So the real answer is: it depends entirely

    on which type of investor YOU are.

    Happy to answer any questions on the math

    in the comments.

    I ran the actual 10-year math on Bitcoin vs Rental Property (same $30K starting point) — the results were not what I expected
    byu/Large-Mix-1604 inBitcoin



    Posted by Large-Mix-1604

    34 Comments

    2. Electrical_Chard3255 on

      This is down to lack of education on Bitcoin, I went through both 2018 and 2022, held, didnt sell, still got the 8 bitcoins I have bought over that time,

      If you understand Bitcoin, you understand you dont panic sell, you just hold till the next top, which is usually every 4 years

      I guess most people also have a lack of education with property rental, but as you say, difficult to sell quickly, unless you drop the price, and of course, property is more stable, and on the face of it a “more safe” investment for many people

      simple as that

    6. AUsernameThisIsOne on

      That is the answer to every investment comparison…….the best investment will almost always be the one you can hold for the long term and don’t panic sell at a dip…….you don’t need any numbers to know that……

    8. LetWinnersRun on

      This is hindsight, everyone knows that nothing beats Bitcoin in the past 10 years.

    9. Minimum_Raccoon_1501 on

      That is part of why home ownership has always been the path to wealth for the lower and middle class. Homes have all kinds of value tha have nothing to do with money. It keeps rain off my head. Keeps my stuff safe. Keeps food cold and animals out. It’s easy to sit in a home and use it for years without even thinking about the price.

    10. Generationhodl on

      tldr: bitcoin beats housing on gains, unless you sell bitcoin out of panic too early. stunner.

    11. FTFOatl on

      Didn’t watch the video, but a lot of high earners have rental property to offset their taxes. Not sure if it covered that.

    12. MushroomDizzy649 on

      Conviction is the most important aspect of investing. However, wrongful conviction is absolutely lethal. In the end, it’s all gambling

    14. PrepperDisk on

      BTC can go to zero, real estate (outside of some cataclysmic event) cannot. That is worth considering. BTC has no intrinsic value .

    15. its_personal1 on

      Taxes Seem high for a $150k house. Insurance is way high for a house of that value. Repairs and maintenance should be closer to $5k a year. $30k a year CRAZY high. In some years may be zero….
      For the record I love BOTH.

    16. oldlifeoldname on

      I mean it made me rich. I actually did sell my house to invest in more btc last cycle bottom. Paid off. I’m sick of real estate now, I made way more trading/investing w btc and other assets.

      I have some rental properties and they seem like a waste of space to park my capital in rn (it was fine during covid and before). I’m planning to sell most of them.

      Been here since 2017. I’ve done the holding and not selling, that’s not for me. Imo that’s a terrible strategy (works for general population bc they r emotional). I sell near top and short, close short near bottom and buy. Worked for me so far and gave me way more returns, not even close

    18. Mantis-Prawn on

      Not sure where you got this 8 / 92% from

      Blockchain only covers TXIDs, people could also just have been relocating their holdings into other forms of wallets

      The 10+ years dormant coins aren’t confirming hodling, as they include lost coins to me. Someone hodling for that age likely have been upgrading from legacy wallet, to a hd wallet and to a hardware wallet. 

    19. mathew1fnt on

      Your numbers don’t seem correct on the real estate side. Insurance is too high, your repairs are way too high, unless you bought a fixer upper, vacancy nope, 600 hrs a year nope. What’s your mortgage rate and payment? How much are you writing off? There is way too much bias in this. Try again.

    20. mathew1fnt on

      Your numbers don’t seem correct on the real estate side. Insurance is too high, your repairs are way too high, unless you bought a fixer upper, vacancy nope, 600 hrs a year nope. What’s your mortgage rate and payment? How much are you writing off? There is way too much bias in this. Try again.

    21. BlackDog990 on

      It wasn’t what you expected….? BTC was under 1k in 2015….Depending on what the specific buy in was you would have 70x to like 150x your investment. Obviously BTC was gonna win…

      Now do the last 5 years…

    24. cleanbreakrecords on

      Ai bot writing obvious post for engagement? You really got me with the hot takes

    25. Veganarchyst on

      But the housing thing DOES have the same problem

      Huge amounts of people didn’t buy houses until summer 2022 and bought at such a high top that they are underwater even while renting out

      And it depends if people are Bitcoiners or are just investors

      If you are an actual bitcoiner you hodl you don’t sell. You have a greater belief than just “number go up”, so you hold thru tough times and explosive up times

      So you “calculations” are all about a certain kind of person and how they function in certain kinds of markets, which also is a tiny skewed perspective

      Most people buy at the worst time and sell at the worst time virtually every time, no matter what they have

    29. d1rtball on

      As someone who manages rental properties (I place tenants and track overall financial performance for the portfolios/owners) and invests in bitcoin, I can tell you it think Bitcoin is a much better investment, and way less of a head ache.

      In your presentation, you didn’t account for days not occupied, as tenants move out regularly. There is a cost to get the unit rent-ready again, which is not part of normal maintenance. Normal maintenance is about 5% of gross rental income, or atleast that’s our benchmark we try to keep it at. BUT, HVAC’s go out, water heaters need replacing, appliances need repairing or replacing, etc. Then, you have to deal potentially with shitty tenants that destroy properties or are regularly behind on rent. And there are legal fees involved with evicting people, and evictions are more common nowadays than they were 6-7 years ago. It has made me never want to invest in rental properties because of how much there is to deal with.

      When it comes to bitcoin, I just buy and hold, and sell what I think is the top, and buy at what I think is the bottom. I already am pretty sure I timed this current bottom out already and went all in around $65k/btc, so since then, I have only been sitting on an unrealized gain the entire time (maybe a couple times it dipped down enough that I had a small unrealized gain for a day or two). The goal is to increase the amount of asset I own, not so much the dollar amount I make.

      Volatility is expected and I generally believe btc will get back above the its last ATH in the next two years. So I will at least double my money at that point, and then just wait for the next macro bottom to go in again.

    31. corpse86 on

      So, an investment is worst than other because the investor is dumb. Great analysis..

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