Currency manipulation/bubble aside.I guess what I mean is that if a future population will have trouble making a mortgage payment, how can they be expected to pay a higher rent?

These are licensed and registered people and firms.According to the SEC and FINRA a "broker" is any person engaged in the business of effecting transactions in securities for the account of others.Events or actions such as helping a company sell shares to raise capital, engaging in other activities like participating in presentations and negotiations, making recommendations to investors concerning securities, receiving transaction-based compensation (i.e. commissions or finder’s fees), and continuing or regular involvement in sales of securities are evidence of activities rendering a person a broker.The term ‘‘security’’ means any note, stock, treasury stock, security future, security-based swap, bond, debenture, evidence of indebtedness, certificate of interest or participation in any profit-sharing agreement, collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, fractional undivided interest in oil, gas, or other mineral rights, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities (including any interest therein or based on the value thereof), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or, in general, any interest or instrument commonly known as a ‘‘security’’, or any certificate of interest or participation in, temporary or interim certificate for, receipt for, guarantee of, or warrant or right to subscribe to or purchase, any of the foregoing.Finders can avoid registering as a broker by limiting their activities to:Introducing prospective investors to a company without engaging in negotiations.Not recommending the company’s securities to prospective investors.Basing their compensation on a flat fee that is not contingent on the closing of a securities sale.You can find most of this on line on the SEC website.

There are various factors at play.There is the timing of your currency conversion.

(e) Rules, regulations, and interpretations; future income bearing loans subject to due-on-sale options (1) The Federal Home Loan Bank Board, in consultation with the Comptroller of the Currency and the National Credit Union Administration Board, is authorized to issue rules and regulations and to publish interpretations governing the implementation of this section.See http://www.law.cornell.edu/uscode/text/12/1701j-3

Also would it be wise to offer for the SFH a mortage term of 30 years with interest of 4.5 even if here in Aruba in the local currency banks over interests of 6.95?

Small steps When you learned real estate here in the US, did you take currency into consideration as well in the calculations of profits and expenses?

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And then we have the wild card of currency debasement, the European crisis (which ain't going away people) and the fact that recessions cycle about every 6 years.

I don't think we are going to see a single nation's currency be the world reserve currency in the future.

I firmly believe in diversifying my real estate holdings out of just one country and just one currency.