if past performance could predict the future investing would be brain dead easy.

Some people's brains have the ability to process information so they can see and predict a clear path that will reach their target and a high percent of people can't see the forest through the trees (if I made any sense).

For example, If I am going to hire a contractor and I've never worked with any before I don't really know all the ways in which they might try to add hidden costs later and make all my price predictions irrelevant anyway. 

The challenge is predicting which factors which make up affordability are going to move where and when.

Time will tell if this prediction is accurate.  

Yup as Account Closed said options are trading in a way which is predicting negative rates in the future. 

So, ...we don't make the market, and we do live in it, but we don't have to bend over for a bad one either.As far as waiting anything out or making predictions, I don't make predictions, and am very critical of those who do.

Please predict value change in 3-5 years.

Don't get into a rush; nobody in these forums can predict the future.

I have been predicting a market crash for 10 years.