I understand nobody can predict the future but I just wanted a general idea of where people think the fundamentals are strong.On researching the neighboring markets, I also found the Oswego market interesting.

I do fear your cost may be higher than you predict and may result in a property tax increase.good luck

Ultimately, I realized that trying to wait for a perfect moment feels a lot like attempting to time the stock market or predict a real estate bubble.There may be advantages to waiting and seeing how the election affects market policies, but it's hard to predict when those policies will take effect or how they’ll impact the market.

One of my favorite authors, Nicholas Nassim Taleb, sold me on the concept of Skin in the Game and holding all pundits accountable for prior predictions, myself included. 

Future job growth over the next ten years is predicted to be 18.2%, which is lower than the US average of 33.5%.Crime is ranked on a scale of 1 (low crime) to 100 (high crime)Binghamton violent crime is 36.6.

For almost two years now, people have been predicting rate cuts that were right around the corner and were a sure thing.

(Much easier said than done, this is just an example.)I definitely agree that appreciation is hard to predict. 

I played collegiate football at Montana State, where I learned the value of discipline, teamwork, and persistence—skills that I now bring to my journey in real estate.

So, this meets expectations, as well.Still, using Eric's tool, we still see that the acceleration technique works as predicted: The total number of payments is reduced - to 208, a 43% reduction - and the total interest paid is reduced, now $42,024.35, a 45% reduction.The total interest paid to the HELOC over 20 "chunks" is $1,031.25 (there's probably some rounding error in that number, but close enough for this discussion), making the total interest savings $40,993.10. 

It’s a solid option if you’re confident about refinancing before the higher rate kicks in or if you want to save more month-to-month early on.Option 2 (3.5% DP, Permanent Buydown): Lower upfront costs free up cash to invest elsewhere, and the 5.4% permanent rate adds predictability.