The 3% mortgages have MORE servicing value for the opposite reason, these ones aren't likely to be refinanced any time soon, and the market thinks they are less likely to be paid off via home sale to boot.This isn't about your or my crystal ball predictions for inflation and interest rates, this is about billions of dollars of real life bets being placed on Wall Street and by big banks.There's another reason big banks are valuing these low rate mortgage pools: Thanks to some deregulation that happened, they get to use the escrow accounts as "deposits" for the purpose of fractional reserve banking.

Unlike a conventional loan, the interest rates rise along with the fed funds rate.

Cuba is on the rise.

The market seems to be indicating rental income will continue to outpace inflation for the near future.3) Prices might be on the high side of things in DFW. 

I was wondering if the buyers were "inflating" the transaction price to either borrow more or even receive funds/commission at closing.

Remote real estate investing is on the rise. 

Mention that prices are rising any their home may be worth more than they thought. 

I'm a veteran living on a fixed income trying to rise up.

And don't forget that property taxes tend to rise.

I'm wondering how interest, inflation, preciuos metals, and stock market decision/trends will create opportunities in real estate.