I live in Lancaster, PA and it's a lot here that's very positive.Our market is historically pretty stable and hasn't been subject to sharp increases followed by sharp decreases in property values.

I set these base rates a year in advance, knowing that prices increase from Jan to Feb to Mar to April, and then decrease starting in May in the desert environment of Joshua Tree and Yucca Valley, CA. 

Not only would it decrease your monthly mortgage but you'd be able to get into it with a very little down payment since you'd be living in one side of it. 

so you have a store of value that will decrease in value if you liquidate it?

They include higher the interest rate and lower the terms will decrease the discount needed. 

However, inventory levels have decreased, with 1,191 homes for sale in December 2024, a 4.3% decline from the previous month, suggesting a tightening market.

All 3 cities show a 7-11% decrease in home sale counts over the 2017-2019 average, so we still have plenty of catching up to do in terms of housing supply - much harder to do when you're growing fast.Durham and Charlotte are set to make large strides toward that goal - but Raleigh is barely budging.

Many markets saw a slight decrease in the 2024-2025 cycle.

I did most everything I was supposed to do, increase my income, decrease my living expenses, save cash, etc.. 

Best Sellers to TargetThis will make deals more difficult to come by however, since many sellers may opt to wait until interest rates decrease and cap rates follow suit in the coming years to get a higher price on their properties if they are not being forced to sell at this time.