So maybe that's stacking savings, maybe paying down debt, improving FICO, or maybe it's raising capital, whatever, the details don't matter because there is 101 flavors out there, all that matters is what is your 1-Thing NOW, do that, THAT alone, with fanatical focus like a fat-boy on cake!

Life has been pretty subtle for me.

The initial effect on mortgage rates was a subtle increase in long term bond yields, however in comparison to earlier this summer residential and commercial mortgage rates are down considerably.For example commercial lenders were in the 7%++ range just a few months ago, and recently are as low as 5.5%-6% and falling.

You’ll always put your own flavor to a concept.

In Michigan, there are several flavors of eviction.

Plus you lose whatever interest rate you got in 2022.I'm repeating what @Mike Dymski said with a bit more flavor.

I've seen/heard people getting more competitive bids in the higher risk markets, but yeah I do think the subtle increases 2-3% are a bit aggressive. 

My townhouse has had subtle increase YoY ($15-$25 increases), and my condo HOA fees jump over 100% YoY basically crushing my cashflow.

I do income potential reviews for clients all the time, every market has subtle differences but these are generally good indicators. 

They age the barrels on ships at sea and it has a very complex flavor profile that is very salted caramely to me, I only drink it when I hit milestones or goals!