What we need is for people to stop being fed the giant lie that there is a "housing crisis".

You are fed unrealistic expectations, and told if you don’t succeed it’s your fault, because you’re being provided all the tools you need for success.  

I guess this is a perk of buying at the peak of rates now that the Fed wants to reduce rates in the near future.  

The question is when.Based on prices I'm seeing and most #s not working for most properties I'm seeing, I think we're getting close to a top, but we could plateau here for a few more years, especially with the Fed backing off and rates starting to come down again.

I guess this is a perk of buying at the peak of rates now that the Fed wants to reduce rates in the near future.

With the potential for a Fed rate cut on the horizon, it's a great time to consider refinancing or purchasing a home.

Now the fed is expected to begin cutting rates and we may begin to see greater separation between bank and alt. lender rates but if the fed cuts rates slowly as predicted  there is likely still a window where alt lenders will be competitive, especially in the scenario I described. 

When I first started rehabbing houses, I got taken advantage left and right by contractors, because they fed me some BS and I ate it up.

The grass is always greener....STRs are FAR from passive.

The Fed only controls short-term interest rates, and mortgages are based on longer-term rates which are largely at the whim of the market.So, if a refi makes sense today, I would refi today.