# Long vs Short-term Strategy

1. [Long-term strategy](/mortgagefi-documentation/strategies/long-vs-short-term-strategy/long-term-strategy.md)
   * MortgageFi was designed to offer digital property loans that compare with trad-fi mortgages by allowing anyone to setup a mortgage for assets where they believe the long term value is attractive enough to own into the future. 
   * By securing tomorrow's asset at todays prices users can take ownership of much larger amounts than they can afford to buy outright today.
   * The long-term strategy allows users who have a regular monthly income to make fixed USD denominated payments for the duration of the loan.
   * With the declining purchasing power of the US dollar the effective price users pay will likely decrease over time assuming the purchasing power of the dollar continues to decline
2. [Short-term strategy](/mortgagefi-documentation/strategies/long-vs-short-term-strategy/short-term-strategy.md)
   * Designed for those who want to take advantage of the 50x leverage to exit their loan as soon as they are in satisfactory profit by utilising the [early repayment feature](/mortgagefi-documentation/how-mortgagefi-works/mortgage-borrowers/early-repayment-feature-erf.md)
   * Unlike typical high leverage platforms users do not need to worry about the possibility of volatile downwards price action leading to sudden liquidations and margin call, as long as they keep up with their repayments


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