The last thing you want to do is push something in and get it declined due to an unforeseen guideline.

In normal markets we try not to raise rents more than $100 per year but in aggressive markets we have raised 20% - 30% and in declining markets we have had negative increases.

.- Market Volatility: While home prices have increased significantly, the average home value has seen a slight decline of 0.4% over the past year.

And wait for a decline in the market when you can actually make your taxes go down :)

Rates should be on the decline for the next few years, 5 years out is way too far to know if we will still have rates as low as they may get, or if they could potentially be higher than they are now.

Hi Emmanuel,Why don't you just use a 3 year prepayment at a 3,2,1 declining and take a lower rate? 

Also I see money being added up by numerous declined deals.

Also, consider that home values will continue to decline at least until Jan/Feb of 2025 before there is any rebound heading in the Spring. 

As a lender, I look at rate sheets and loan estimates literally all day long and for the longest time when rates were stable or declining it made little to no sense to pay points. 

The returns have been astronomical for awhile but the market has started to shift this last year into different areas and surprisingly Old Town has seen the biggest decline.