How does that even apply here? Assuming you aren't living with family it's fair to assume you have to spend money on housing. So the question is, do you want to keep some of that money in the form of equity or give all of it to your landlord?
I am doing no such thing. Down payment goes straight to principal, so that's equity banked from day one. And you're going to have to define "relevant time scale" because property demonstrably appreciates over time.
