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Real estate investors on Reddit aren’t exactly thrilled about the idea of a 50-year mortgage. In a recent post on r/realestateinvesting, hundreds of users weighed in on what they see as a deeply flawed loan product being floated recently by President Donald Trump.

Many agreed that while the plan might help with monthly payments in the short term, it doesn’t fix the root problem: the cost of housing. “It’s a terrible idea,” one person wrote. “Just play around with mortgage calculators and you’ll see that the difference in payment is very small, but the interest payments are super ridiculous at the end.”

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Supporters of the 50-year loan highlight one potential benefit: improved cash flow. Stretching a mortgage out over five decades lowers the monthly payment slightly, which could make it easier for investors to cover the mortgage with rental income. “Imagine having a fixed payment for 50 years as the value of money goes down and your payments stay the same. It’s amazing for investors,” one commenter said.

But that same flexibility comes at a steep cost. “You’re basically buying two houses. It’s tough to see that as much of an investment in the long run,” another investor warned. For instance, a $500,000 loan at a 6.22% rate over 50 years would accumulate around $1,128,205 in interest. That’s $523,424 more than if you got the 30-year mortgage.

Several noted that a 50-year term offers very little equity in the early years, making it riskier if home values drop. “You could end up underwater for a decade or more,” one commenter said, especially if there’s a downturn and refinancing becomes impossible.

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Plenty of investors also questioned the broader market impact. By lowering monthly payments, these mortgages could allow buyers to stretch further, which may push home prices even higher. “Prices will rise with inflation, and the only people winning are the banks,” one person wrote. One commenter summed it up as “a bad idea that doesn’t solve the real issue.”

And plenty of others agreed. “This isn’t a solution to the home affordability issue,” another said. “This will make mortgage companies a ton of money while making home ownership even more expensive.”