I set these base rates a year in advance, knowing that prices increase from Jan to Feb to Mar to April, and then decrease starting in May in the desert environment of Joshua Tree and Yucca Valley, CA. 

Do not place yourself into a position of needing to sell in a reduced value environment. 

.- Navigating tricky landlord-tenant relationships when you live on the same property.While some people thrive in this environment, others find it difficult to balance personal space with their role as a landlord.### 3.

10% is not going to exist, 15% still does currently, but it will be very hard to make work considering the current environment. 

Should I sell the investments (pretend we're in a non-recession normal stock market environment), and payoff the rental?

I've had smooth loans close with Kiavi and I've had rough ones, same with Roc.When Loans start to be troublesome:1) The borrowing entity docs are a mess2) The appraisal numbers are lower than expected3) Messy background reports4) Loans happening in an environment where market/rate fluctuating unpredictably 5) Your loan officer and their team are poor at their job6) Title issues that depend on county docs, that can be slow and painfulThere's more but it's Friday and I'm tired....

Overall, Charleston's housing market is experiencing steady growth, with increasing home values and a competitive environment for buyers

I joined RaiseMasters with this mindset and have been totally blown away with the information I have been able to receive, not only from Hunter, Adam and Cam, but the support and openness from the team has been stellar.They truly have created an environment that emphasizes collaboration.

A more stable rate environment could ease the “lock-in effect” and encourage more existing homes to hit the market.As we head into 2025, I’ll be watching these trends closely.

I tend to agree, in this uncertain investing environment it makes sense, it just feels weird to have that much cash not working for me.