If you put the money in the bank in 10 years time the money you have in the bank will far exceed the equity you have in property because there will negligible or no capital gains on the property.
You will still "own" an asset except that it will bigger and it will be cash.
Even if you own a property outright with no debt, the rent doesn't match bank interest. Why do you think banks lend and don't own residential properties?
Unless you factor in returns of 32% which don't stand up to scrutiny.
