It depends on where you are living, how long you think you will be living here, if 3 years is the minimum but a good chance it’s gonna be longer bite the bullet & buy, if 3 years is the max it’s probably better to just rent, regardless nothing will cash flow, the big benefit is locking in your payment, but the value of that depends on the timeline, as far a where that would really depend on your preference’s in price point, do you want urban or suburban living, how big a space, how nice etc?

That might include pet policy changes, early termination fees, a fee for a service like a requested lock change.

But that said, you have a 3.5% rate lock which is an incredible opportunity.

Otherwise, it would be best to maximize your skills and lock down the highest paying job you can. 

(IMO)I personally assumed a loan for my most recent purchase (must be your primary residence) in November 2023 and was able to lock down a 3.08% interest rate in a 7.5% - 8% interest rate market!   

In my opinion however if I have to worry about the tenant tamping (on what could be a locked box) to reduce their <$200 power bill, I probably have bigger tenant problems. 

All it will accomplish is push your gains into the future while keeping your capital losses locked up.

Talking about it while everyone still likes each other can make things easier when someone wants the locks changed.wording:In the event that Tenants decide they no longer want to live together, ___________ will be considered the primary Tenant to make decisions about modifying or terminating tenancy.

.- If a seller has a flexible timeline or is 'not in a rush', I play it by ear & I play it cool...

Though, keep in mind that HELOC rates can fluctuate with the market, potentially exposing you to higher interest rates down the line.On the other hand, a cash-out refinance could lock in a fixed rate, providing stability/predictability in your monthly payments.