I'd say you're using commodity incorrectly for the way most people use commodity. There is a definition of commodity that could perhaps fit your description but no one really uses that definition of commodity in normal usage for the most part because it makes the term mostly useless as a term.
A better way to say what you're trying to say is that housing represents one of the only investable assets that an average person can purchase with financial leverage. It isn't the only one though because you can get a 50% loan on a diversified equity portfolio easily enough but there's other issues with this avenue.
Keep in mind using leverage to make money carries more risk. Many people learned that lesson the hard way 15 years ago.
I'd say you're using commodity incorrectly for the way most people use commodity. There is a definition of commodity that could perhaps fit your description but no one really uses that definition of commodity in normal usage for the most part because it makes the term mostly useless as a term.
A better way to say what you're trying to say is that housing represents one of the only investable assets that an average person can purchase with financial leverage. It isn't the only one though because you can get a 50% loan on a diversified equity portfolio easily enough but there's other issues with this avenue.
Keep in mind using leverage to make money carries more risk. Many people learned that lesson the hard way 15 years ago.