I predict interest rates come down, and perhaps housing prices in certain areas but not in most areas.

These offer a predictable return in the 4.25% range right now with minimal interest rate risk.

Experts, including Redfin, predict further improvements in affordability by 2025.The decline in rents is being driven by:1.

You'll have to look at the income and expenses to predict whether your cash flow will improve.

Ironically I’ve noticed most people who started in the syndication business on Bigger Pockets whether as GP or LP (General Partners who set it up or Limited Partners who invest passively) have not experienced a true decline in the market so I predict a bloodbath in 2024 I will write a booklet about what to look for if investing in a syndication (or better yet: in a fund) and will post it somewhere on BP because as a tax attorney for high net worth individuals I have seen it all and so many good people lost money as passive investors because the hopeful syndicators were amateurs! 

Long story short, any owner-occupied property loan will require the borrower to show income that the lender can determine to be stable and predictable in their good-faith effort to confirm the ability to repay. 

Their answers will reveal more about their abilities to get a good price for you, than their predictions about what the property will sell for.

Having a co-signer doesn't feel like that at first, but you can't predict the future.

.: @Bruce Woodruffthanks for the predictions!  

Turns out the theory was right, but the decline has been even steeper.You might be able to predict whether a future market will be better or worse than the current one, but predicting how much worse or better is nearly impossible.And don't even get me started on how sponsors could be manipulating purchase cap rate, whether intentionally or unintentionally, by reporting pro-forma caps, non tax-adjusted NOI, and so on.