there are ways to get around the highest and you also need to take into account the savings you will generally have on the purchase side when compared to other regions. 

welcome, would love to connect and network. congrats on the move

Will they base their calculations solely on the income from the two legal units and disregard the non-conforming basement?

I want to learn as much as I can before diving into the investing world.

A refi only moves part of the equity forward and usually produces a higher mortgage payment because the principal is larger, so the cash flow goes down too  Brother Joe…..I take the time and try to read your post as much as possible. :-) I follow your logic… I think.So a person will leave some of their equity in a property if they do a refi.

The Idea is to create a new real estate asset class - the Room Condo. 

This provision, through the Affordable Homes Act, make ADUs legal BY RIGHT in any single family zoned property in the state.

We had to make emergency decisions multiple times a day for weeks to protect the properties and the tenants.

I find this data super interesting, and took the opportunity to dive into their 2025 edition this week.Nationwide they say we can expect:Average mortgage rates of 6.3%, with rates edging down over the year to reach 6.2% by the end of the year.Home prices will grow by 3.7% across the US, which is pretty modest.

FF isn't the only source, of course, but it is one of the most well know.