[dragontamer]

What?

"Savings rate" is defined as monthly disposable income. Your mortgage absolutely lowers your savings rate.

Your mortgage would also affect your cash flow. If we're talking about profit/loss, the interest-portion of your mortgage absolutely affects your profit/loss.

Only the principle portion of your mortgage statement is "free" from a profit/loss perspective. Which it is: you can always leverage the principle into a HELOC or other financial instrument if you need emergency cash.