Now that I know that Quartz/Granite is more affordable I will check into it for our next reno coming up, but laminate has been really durable for us in our last 2 personal homes as well.

Mortgage Rates are dictated by the bond market more or less, fed funds are typically a trailing indicator of the T Bills.No, your rates not going down.

The issue is in my market, and most other markets, the property is cash flow negative after the as high as possible LTV Refi t extract the added value.  

Year-round road access can also vary, with some parcels only accessible seasonally.Market Trends: The Fairbanks real estate market is competitive, but when it comes to land it's not very competitive and the prices are still relatively affordable compared to other states, making it an attractive option for investors or builders.

Memphis has a pretty affordable housing market and tends to offer solid rental yields, which might align well with your goals.

Texas is exploring several public-private partnerships to tackle housing affordability, especially as demand outpaces supply.

If you've worked with some affordable Architects in Alameda, CA, could you please recommend them to me? 

I am concerned about timing yes people will always buy land but builders and developers lots are going much slower with high interest rates fewer can afford to buy.

The more affordable price points with foreclosures the less the discount tends to be. 

I have had to truly suck up my principal which has been hard and one day I might but starting out you know that it is just survival mode so you can afford to grow more and ten years in be able to be more picky if choose to change routes.