Im debating if its a good idea to refinance to a 15 year 4.375 fixed rate paying 2 points. it looks like a win win in most scenerios because of the rate savings and shorter term.

I am debating whether i should just fix the shower pan. or, rebuild shower as well just in case water leak is coming from shower walls. what do you think? 

I am debating between house hacking in the Bay Area for my first property or buying my first property out of state with the help of a property management company.

Debatable in these scenarios...

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I understand leverage vs cash debate, not my question.

Either people need to start earning more money (we can debate this since it looks like we are already in a recession here), interest rates need to decline (looks like the Fed is about to start doing this) or prices need to decline which has already started to happen.My vote is on lower interest rates and price declines until the market finds its balance and you see transactions start to increase.

The balance between cash flow and appreciation is one of the most debated in real estate investing, and David Greene's quote highlights the long-term wealth-building potential of appreciation.Cash Flow vs.

It is not really a debate on this post.

For my next move I am debating should I keep doing what I do which is buy another rental ( since houses are bettered priced) or get a land and develop my own projects.