The fed lowering the rates in the future (no matter how long that may be) or even a change in their language during fed meetings that hint at a reduction can cause a surge in demand thus increasing property prices even more. 

But I would hate to pay off most of the mortgage and then have the Fed cut rates down to 2% next year if we finally get the long awaited recession.

IMO: Stronger than preferred inflation data and a robust labor market (unemplyment remaining low / strong consumer) = Fed does not cut rates in March.

Yes I believe rates are going up 25 bps once or twice more before end of year based on the feds plan to control inflation. 

With the Feds raising rates some of them will have problems rolling over debt.Many libraries will have a copy of Value Line Investment Survey.  

But with mass layoffs at huge companies poping up every week, the fed continuing to raise rates and forecasting more rate raises, and the potential for a large number of people being overleveraged in debt... 

Which over Q1 Fed probably stepped back in QT indicating all was working so let off too point of 25 bp increase and then 0.

We could just replace Fed with AI lol

I found a 4br home in Grass Valley, CA where seller is willing to do financing w 100k down.

They take the risk for loan originations in regards to fed  and state lending regs.