The Fed is trying to push the housing prices down, but appears somewhat hard pressed at the moment to achieve its goal.  

We have a living room with no TV and no one ever uses it in our Room for rent house hack.

Personally, I wouldn't lock my money up in lending for a long term but lending for up to a year to earn a return on your money while you see what happens with the RE market isn't a bad idea.One of the biggest mistakes that I am seeing these days is that a lot of investors pressing to get an investment property and they buy something that doesn't look likely to be a great investment. 

Consequently, some have opted to prioritize the conversion of dated office buildings into residential units, seeking to tackle the pressing issue of housing shortages.By easing regulatory constraints and introducing favorable rule changes, these mayors hope to encourage developers to repurpose outdated office structures into viable apartment complexes.

@Kristina Ainsworth This is hot off the press! 

., 5%, $14K+ balance), contributing $50/mo. to a very small emergency fund ($2K balance, 1%) in a HYSA, also contributing $50/mo. to I-savings bonds from Treasury Direct ($1K balance, 9.6%), have a small amount of shares in brokerage account ($1.5K - towards risky tech stocks), no other assets or real estate, no crypto, no pets, no subscriptions, no utilities, no car, no rent/mortgage (live free w/fam), no phone/internet/tv bills. 

Cell phones and software do not:- fish snakes out of the dryer - Tow guests out of a snow bank X mas eve - Help the find the property after dark- unplug the potty on July 4th- help them turn on and work the TV- Etc.Housekeepers often want a weekly check in hand.  

Hey Jonathan McPhail I just typed up an article on real estate developments doing innovative work (fresh off the presses).

This late payment was an honest error, I have been unusually pressed financially trying to pull together everything for down payments and back to school that I had been a little behind so I to split my auto payment this month.

The job, quite simply, isn't as easy as TV makes it look.