I would take the gamble that rates will fall on their own over the next 3 years and live with the result. 

In some cases, gross income can include recurring capital gains or unrealized income, winnings from a day of gambling, rental income, and sometimes even interest earned on retirement accounts.

Most who gamble to such do not. 

😁 Your Name - Joel and Mary Ann Bongco  - Honolulu, Hawaii🧠 What would you consider your area of expertise - Tech, REI CRM,  Offshore Lead Generation Analysts,   AI Driven Contact Centers,  Hawaii Real Estate Investing, Market Place Leadership  (Mission Driven Real Estate Investing - People Over Profits)🙌 What are you most looking to get out of BPCON 2024 -  Networking, creating new relationships, finding out "what we don't know, we don't know regarding Real Estate"  🤝 Fill in the blank: If I could make a great connection with someone who is an expert in _________ at BPCON2024 then I would leave BPCON happy - Scaling our Real Estate Portfolio 🗓️ What session are you most looking forward to?

Only going to continue to get worse with the digitization of things like notaries, etc.Pace + his team recently organized a Zoom meeting with the Attorney Generals of Utah and California where they discussed some of the new big scams in the world of real estate...One of the biggest things they are seeing is people falsifying ownership of raw land and listing on MLS for big discounts WITH RE AGENTS and then selling as if they own the land.Title closes, money is transferred, then the cash disappears into offshore accounts.

The platform I invest (gamble?)

@Ashley Gamble not sure how I didn't see this before but I hope you have made progress on this issue by now.

They didn't want men gambling away the house in a poker game and leaving the women and children without a place to live.The intent I think for a home to be designated your homestead is that is where you live. 

If you invested $50k or $100k would that $10k or $20k be better investing it in a lower risk asset or continue to take the gamble of red vs black?

Guys with problems end up gambling everything away because they've lost too much to walk away now.