The city is shaping up to be one of the dynamic creative and media hubs in the western world.Low interest ratesThe ongoing period of decreasing interest rates has given wind to the possibility to access to housing.

Twenty-Five cents on the dollar that used to go towards paying off the original principal of your mortgage would instead go to the banks as pure profit. 25% of every mortgage payment in the country would go to the banksinstead of reducing the household debt of ordinary Canadians.And reducing the debt of ordinary Canadians is what the Government says they want and why they came out with this new Stress Test Rule that uses the Mythical Posted Mortgage Rate.Posted Mortgage Rates are a Rip Off used by the banks to penalize and trick Canadians and is now used by the Government to lower Government Backed Insured Mortgage Debt.This will not decrease ordinary overall Canadians debt.

It's no secret that many people blame landlords for issues like increased rents, decreased affordability, displacement, gentrification, and holding down the lower income classes.

This decreases the AU's credit utilization and shows an aged card.  

I have also heard (not sure if true) that some bank compound interests twice a month and that making two payments a month would significantly decrease the overall amount of interest paid over the life of the mortgage.

The local market in the Bay Area will not fall from increased supply but can from decreased demand.

That decreases the ROI and Cash on Cash return.  

Your income will decrease before it increases.

This is a small one entry/exit 25 home neighborhood.Two things concern me:1.The neighboring property decreasing my possible sell price.2.

The population continues to decrease. home buying doesn't necessarilly correspond to population.