If you own $400k of stocks, you can sell any increment of dollars you want over time. You can take profit, you can take money out to cover needs, etc.
With a house, sure you can "take out home equity" but its just a loan against your home you have to eventually sell to cover or pay back.
It's like having a $400k position in your companies stock that you can only sell all at once with a 10% round trip transaction fee.
Do you expect to be able to take out a loan on your house and not have to pay it back? Want to have your cake and eat it too, literally?
If you own $400k of stocks, you can sell any increment of dollars you want over time. You can take profit, you can take money out to cover needs, etc.
With a house, sure you can "take out home equity" but its just a loan against your home you have to eventually sell to cover or pay back.
It's like having a $400k position in your companies stock that you can only sell all at once with a 10% round trip transaction fee.