Not even a single-family house owned outright is profitable. You only gain quality of life, but it doesn't pay off financially. In the long run, you pay off the loan plus interest, and before you know it, you have to invest a six-figure sum in modernization and renovation before you've repaid the credit.
Since I can't link via Tapatalk: check the pinned post about additional construction costs in the construction costs subthread.
Also, use the search for the topic Controlled Residential Ventilation... just the day before yesterday we had a topic where the original poster skipped it and now has serious consequential damage presumably due to insufficient ventilation.
Regards, Yvonne