If you invest in property and you keep up your mortgage payments on it, it is unlikely that you will loose out, in fact there is a good chance you will make a considerable capital gain over time. Remember, property investment is for the mid to long term and not short term so don’t have unrealistic expectations. This is providing of course that you buy a property free from any structural defects, that any other factors affecting property values remain positive and that you keep the property well maintained and properly insured. Buy in a location where there is steady demand for renting and the property should pay for itself. The biggest risk for private landlords is poor management on their part and bad tenants which can lead to serious cash flow problems if the rent isn't paid on time, the property is damaged or you get into a dispute with a tenant. You can be held responsible if you do not comply with the law, particularly on safety issues or tenant harassment.