[solarmist]

There are lots of calculators that will show you, but for a $100,000 loan at 5% you only get about $1450 in equity the first year and only another 1550 the second year, but you pay about $4950 in interest the first year and $4900 in interest the second.

Unless you make lots of extra payments you gather equity very slowly. The break even interest vs equity per year point is at the half way point.