Real estate also has the advantage of being easy for the layperson to understand. He or she, when learning to invest in stock, must learn all kinds of complex accounting; otherwise, he or she will not be able to interpret financial statements, so he or she will not get an accurate interpretation of the current state of the company. Real estate, however, does not need complex analysis. A few simple calculations are sufficient. It is so easy that banks are willing to lend hundreds of thousands of dollars to anyone with good credit, and anyone with a twenty percent down payment.