You're just making that up . . . no merit to what you say.  If one buys a $500,000 house, do you seriously believe one will spend $100,000 over five years in maintenance?  That's $20,000 per year.  In my market, such houses are taxed at about $3,000 to $4,000 per year.  Where exactly will the balance of the money you forecast go?  New hot water tank? 10 year lifespan, $700.  New roof?  Most houses cost under $10,000 to re-roof and they last for 35 years.  There is simply no truth to what you say.