It’s a solid option if you’re confident about refinancing before the higher rate kicks in or if you want to save more month-to-month early on.Option 2 (3.5% DP, Permanent Buydown): Lower upfront costs free up cash to invest elsewhere, and the 5.4% permanent rate adds predictability.

maybe now the land boom that was predicted in the 20s for palmdale / lancaster and CA city will start to see migration .. we know there are 500k vacant lots in the high desert just north of LA..  

Every year I do a podcast on predictions and what I am targeting.

I do fear your cost may be higher than you predict and may result in a property tax increase.good luck

(Much easier said than done, this is just an example.)I definitely agree that appreciation is hard to predict. 

Firstly my objectives•To provide uncorrelated predictable income streams while allowing for the opportunity of capital appreciation•To provide high % yields.

I did not use my own money, it was borrowed and it will be paid back in 1.5 months vs the 5.5 months predicted by Tardus (because, again, I am conservative in all my calculations, including my current cash flow). 

I half predict possible class action stuff once a same attorney gets wind of the multiples. 

Predictive Analytics: Historical data can expose future trends in value, rental demand, and market conditions.

It can be difficult to provide any predictive info (while scrambling in reaction to a worldwide pandemic), but at least a status update is always good.