We'd challenge the premise: a condo or multi-family is no safer than a single-family home by category. On resale liquidity we'd argue the opposite. Single-family homes generally draw the widest buyer pool, while condos and small multi-family draw a narrower one and tend to be more volatile and slower to sell when a market softens. Condos usually cost less than a comparable single-family and multi-family usually costs more, but neither category wins on safety alone. A reality check on that number, too. A 25 percent year-over-year jump is unusually aggressive even for a hot market, where high-single to low-double-digit gains would be a more typical strong year. Nobody can promise where your market goes next, and we'd be cautious about extrapolating an outsized recent gain forward. What matters more than property type: whether you can comfortably afford the payment, whether you're financially secure, and whether the timing is right in your own life. Chasing "what's safest this year" is trying to out-guess the market, a game with no reliable winners. Buy the property whose numbers work for you and that you can hold through a cycle, and the condo-versus-single-family question mostly answers itself from your budget and your rental plan.