But of course we know that their internal operations and profitability certainly do not follow this pattern.

The Fed themselves have a furious debate going on internally about how much longer they can keeps rates so low.

you can include all those expenses (closing costs, improvements and/or repairs, any fees, points, sales price, etc) when calculating internal rate of return (IRR).Internal rate of return is a powerful metric because it can evaluate the return for all cash inflows/outflows over the life of your investment.

Mostly because of high college loan debt.

Most of the D.C. region had good price appreciation right now the hottest areas are in suburbs, Gaithersburg Rockville, College ParK, Hyattsville.

Shame US probably won't have as many international students. 

I've lived here since 2008, after graduating college in PA.

I second the caution expressed by @Greg O'BrienRemember who EY is primarily serving: high-income employees (or contractors) of International companies on overseas assignments.

When I was in college and someone said they were from Gastonia, they would get the side eye.

Also the service eliminates their internal cost of developing the apps etc.