Longer time horizon -- mortage inflates away. In the short-term, only need to beat the property tax bill, especially if the interest rate is <3% and the property is increasing in value faster than that.
- 1) Is there a branch here?
- 2) If so, is it taken?
- 3) If so, where to?
If a conditional branch is never taken, then it's effectively a NOP, and you never store it anywhere, so you treat (1) as "no there isn't a branch here." Doesn't get cheaper than that.