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Ah, the housing market, you say. It's easy. All you have to do is buy a house and watch it go up in value. Is that why so many property owners are panicking right now, because they have never stopped to consider that the market could go down as well as up? So how does it work? How can you make money from houses? If the simple answer doesn't always work, what's the more complicated answer? Ah, well now, you might have to read the article.