Matter of fact they should not reduce interest rates because that will fuel inflation.  

It will be an STR with no personal use  Background: high income W2 job, no primary home (ADU on family's land property, happy twith this) so can't get umbrella policy with most insurers as they want auto and homeowners for primary home before offering umbrella  Quotes from foremost and proper.

Economic growth means higher household incomes, better employment rates, and stronger consumer confidence, all of which directly fuel demand for real estate.

Quote from @Horacio Renteria: I became an accidental land lord after a divorce in 2020 (bought ex out for equity) then purchased a second home as primary in 2020 for 2.85% interest and has increased in equity 115%.

I'm looking to use it as an investment, not a primary residence.

I currently own 3 houses (2 rentals) (1 primary).  

Their stories fueled my fire.

@Stacy A Stewart are you looking to purchase an investment property or primary residence with financing?

I think another big miss you had is not refinancing when you could have gotten a sub 3% loan as a primary.

California is one of the states that will hound you for the proof your 1031 is still valid, only a California expert could say if converting it to your primary would trigger that tax.