Would love infinite money) but cash-flow to the degree my wife can work if and when she wants to is good enough for me for now.

@Andrew Steffens what draws vacationers to Tampa when it’s 90 degrees June-Sept.?

But you are effectively putting yourself into more debtThere is good debt, and bad debtStudent loans are IMO bad debt - yes you get a degree that gives you a good paying job, but it costs you money every month to hold that debtReal Estate debt if used properly can be good debt.

Getting to point #3 on this, I think this happens artificially to a degree due to the amount of agents withholding properties in Q4 of 2023 because of seasonality.

The average temperature in the United States is 50 degrees, but if you are standing in Death Valley or Gnome, Alaska, what you experience may feel very different.In the handful of MSAs that I monitor, I'm seeing YoY rent changes from (2%) to 8%.

And sometimes they dont care too much about how they pay in commission (to a certain degree) they just want out.

The downturn will eventually spread across the nation, and to a somewhat lesser degree affect those areas that had lower price appreciation.My timing prediction: the oncoming slow-motion housing crash will become very evident within 6 to 9 months after the first Fed rate cut. 

The degree to which realtors think their skills dictate a sale price and/or time on market is breathtaking. 

It could be heat in the winter(in Michigan) or AC in the summer (imagine them running AC at 70 degrees all summer in Phoenix) or just general disregard for leaving lights on and things like that.

Neither I nor my business partner, David, have any degrees in architecture or engineering.