So, no crystal ball available, but housing in this market is likely to continue climbing along with increased rents. 

I bought a Mayan Palace timeshare and it was one of the worst financial mistakes I ever made.

However, my husband has reservations about taking equity out of our primary home as he has worked hard doubling payments to make sure it's paid off before we retire he's very wary about taking any risks with our primary home.I would really appreciate sound opinions and advice.Thanks Crystal &

My crystal ball agrees with the 2 to 3 year window of appreciation but at a decreasing rate.  

I was interested by it and that led to me scouting out properties/short sales for my family and convincing them to buy.That identification of opportunity secured my parents retirement, and then some, as we (due to dumb luck) bought multiple properties in the HQ2 Crystal City area between in 2010-2017.Fast forward to my RE investment growth, the property I closed on yesterday was at 80% of appraisal, and a model match was just listed on the market for 130% of our final sale price (identical condition as ours).

And realize there is no crystal ball as to what is to come.

Do your research and make the best determination that you can with the information that you have.I, like you, wish I had a crystal ball.

For example, say you qualify for a $1M loan today at a 4% rate (PI = $4774) ... well, if rates go to 5% (and nothing else in your life changes), you'll only qualify for a $900k loan (PI = $4831).If cash flow is what you're focused on, just make sure you're watching rates at the same time as prices when you're looking into that crystal ball...

@Michael Reach no one has a crystal ball when it comes to property cycles.

No one has a crystal ball, but you can arm yourself with data.