I'm not talking about a retirement shift, I'm talking about understanding how growing your portfolio with the (new) inherent risks in a rate sensitive, supply shortage, location premium real estate market.

While I have been able to find tenants to rent at a slightly premium price as the building warrants it has been more challenging and taken longer than my buildings in better areas.

For me personally, I just take on the expense and charge a premium for rent given that I do the MTR options.Common areas can include, but are not limited to anything outside of the personal residence.

(Besides lower down payment, lower interest rate, and lower insurance premium) I have had friends who have bought house hacks and lived there for free.

They are very convincing, and I've been considering the $6k premium membership.

If it was a Class A property and you had to make it really nice in order to fetch premium rent, I could see spending money on it.

Here what they pay really isn't competitive although some places I understand they pay a premium.

Mortgage rates are driven by the capital market and basically follow the bond market, specifically 10 year US treasury with a premium, historically about 1,7%.Yesterday the 10yT fell to 3.9% and I have seen 5.99% 30y fixed rates with a local bank in here Milwaukee (that is still an inflated 2% premium), so 5.7% would be historically normal based on a 1.7% premium, even without the 10YT going any lower.Here is why.If the 10yT offers lower returns, more investors want to buy mortgage-backed securities instead to get higher returns (about 1.7% higher), as a consequence lowering the returns on those as well.

I started with Podio (Premium) and already I am seeing it's limits without having to spend a lot of time customizing it or hiring someone to do it or even paying a monthly fee to some third party.

Premiums have doubled, tripled, and even quadrupled for some.