@Ricky Priester Its called gambling . 

The markets are cooling off so there is more wiggle room for the buyers.Lots of ways to go here… unless of course you really just want a chunk of change to go buy a boat, gamble in a casino, or go an extra extravagant vacation 

If you are an appreciation investor and you are ok losing money each month gambling on getting it back at some point in the future, then this might be an opportunity. 

Quote from @John Gamble: Awesome.

Not much room really for rates to go down so you're only gambling on the wrong side.

And of course, no one knows where this roller coaster will go next…so it’s a gamble either way.

Plus another main factor is at least on the west coast the title companies have their own title plant a duplicate of the county courthouse and many are off shore so the title work is really done in the phillipines reviewed by the title officer and then given to the escrow officers to send to client. 

If you are expecting to use the cash within the year, placing your money in low-fee index funds (like a vanguard S&P 500 index) would essentially be a gamble.

For ADU, it’s a gamble getting a chunk of that money back with refinance.

Both Pottstown and Coatesville were steel towns, and had a couple bad decades after that heavy industry was mostly off-shored.