Cash or Credit??

[Kevin Martin]

Question: Is it better to use cash or credit to buy real estate? 

Guidlines:

• Cash: You have enough cash to buy a piece of property outright. 
• Credit: You are taking a loan with 20% down and 10% interest rate fixed. 
• You can only choose one.

I know there are alot of other factors that would lead to the best answer but I just want to see what people think in general (risks/rewards) about these two ways to buy.