of course, who knows what will happen in terms of appreciation (or depreciation) in the coming years...there's a fine line between investing for appreciation and speculation, as they say...Having said that, I have no clue about the appreciation of large multi fam,  commercial properties, or self storage around SLC...would be interested to learn about those if anyone has info, though...

@Mary Paras the fine will be reduced and you will not have a record ,,, i am not speculating as I have many years of dealing with 100s and 100s and 100s props,,,,, 

Without knowing that, everything else is speculation.

I'm not saying anyone should base a particular real estate investment decision based solely on the speculation of the value of the home going up in the future.  

Speculate seller motivations.My kitchen table is littered with scrap paper with math and floorpan renov ideas.

I'm speculating that in his opinion real estate is NOT "an all weather" investment due to the crash of 2008.

If you had to speculate, what would you say?

A value for a refinance is purely speculative.

Two obvious problems with the metric: Speculation can drive the Price skyward irrationally, distorting the real meaning.

You may want to go get a W2 gig instead if that's how you think - your business is doomed.You then follow with speculation, probably based on rumor and innuendo.There is NOTHING "secretive" about it.