Thank you for this post I copied it and sent it to my office to save on drop box.Myself I grew up in the land business as my Dad was in the land business starting in the mid 60s and I started in 75..

A quick check of new listings results in many listing that seem well below market rates.   

I have found people willing to owner finance their house to me at a lower interest rate.

Fit buy box of A or B rated school that will appreciate over time.

What would you assess your personal success rate is for 2024? 

If its an attorney closing state same thing ask the attorney or one of their staff.Generally though be care of those reaching out and promising rates that are simply better than current rates thats almost always a fake lender or a bait and switch..

Keeping a 2.99% rate sounds great, but it may be costing you thousands of dollars if you are in the double digits with your other outstanding debts.

Places like San Antonio might present more favorable cap rates, from what I read in Forbes recently.Refinancing could free up equity if today’s loan terms are more attrative, though that depends on current interest rates and the property’s updated value.

Louis Fed shows the delinquency rate on residential single-family mortgages, and proves there's a way to spin this data to show that delinquencies are increasing rapidly.

Sounds like if I stay conventional then my best rates will no doubt be the 25% down options.