Am I correct in predicting this or am I missing more details?

http://www.forbes.com/sites/erincarlyle/2014/12/18/housing-outlook-2015-11-predictions-from-the-experts/ "3.

With the trend for City living, you could do quite well if you choose wisely.Other than Naples (nod to @Mustafa Abdulali - predicted appreciation 40+% over the next 3 yrs) and the location of my summer home, I stick close to where I live.

Do you predict the market will continue in this fashion, or do you predict differently, or maybe a big depreciation might come in the future?

If they were close to your $39k & 145k actuals, you could have predicted a loss from the start from just a rule-of-thumb:($92k+$39k)/$145k=90%Here, the conventional wisdom says this shouldn't be more than about 70% to 75% or so to make a fair return.

The ROI is actually better than predicted because we haven't had vacancies or repairs as of yet.

A lot change change in the market to predict 6-7 years out.  

Getting through the learning curves, while making a predictable systems for someone else to follow.

It all depends on the circumstance of the borrower(s), loan and market, so no way to predict interest rate.Good luck

“Despite the slow indicators we saw earlier this year, 2015 is on pace to be one of the best years for housing since 2006 due to strong sales and higher than predicted home prices,” said Smoke.