Land. Most of your purchase price is the dirt, not the house, which is why condos are harder to finance. But since the dirt isn't going anywhere and lasts a lot longer, you get better interest rates.

All that title garbage is because the land doesn't move. An RV is an RV and you're pretty sure you own it if you have possession of it, but someone else may have a better claim to the land, hence the need for title insurance. You should see some of the chains of title we run in places like Alabama. It's like a genealogy tree for the dirt. They go all the way back to indian treaties and things like the Louisiana purchase. Nifty.

Nonetheless, I still think real estate stinks!