So today, I would imagine if you have a savings account with extra funds/float money, it could be utilized nearly the same and just as effective. 

I could go on and on.. but you get the drift..

(Didn't realize this posted since app crashed when I hit post, so there's a double post floating around now).

I'm not sure I caught the drift of your post... could you a little more clear:)Seriously, one has to ask... is it really worth it try to game the system in today's day and age?

There are only about 60million of those floating around.

My long term goals are in real estate, however, and I'm looking forward to learning from all the knowledge floating around here.

There's a famous @Ben Leybovich article floating around about how to estimate CapEx expenses. 

CRE debt will have all sorts of things like lockouts, prepayment penalties, floating rates past some date (in many cases), etc.

So if I can now buy a property for 100k lower than I could 9 months ago, even if my payment is higher and I am just breaking even on the property right now, If I can lock in the price and I can float along breaking even for a year or two or even three until rates come back down, then I can just refinance and start cash flowing better.

"The only type of ship that won't sail (or float) is a bad partnership."