I have a town home that cash flows $600 a month at an interest rate of 3% ($250k left on the loan).

Thus, living in a depressed neighborhood, we were not tied to a low-rating school.In 2021, the real estate market rose beyond expectations.

Let’s just pray that lower rates arrive in time for the spring selling season!

Thanks Chris for your comments.sorry i didn't explain well. let me try again  showing  some numbers like an example , and I hope that works better.I was trying to ask is what could be a good financial strategy if I find a good  property (location good shape etc..) and the homeowner for example want to sale for market price for example $400k but he still has a loan  $200k at 2%interest rate so he has nice equity  $200k but also he still having big debt another  $200k but with good interest rate these days. my question which strategy would be good one if I want that buy that property using creative financial trying to avoid ask a new loan at the bankThaks again 

Regarding the default rates on credit cards, I'm not seeing it in the recent (not including current and last quarter) statistics.

It depends on your goals and the interest rate.If your goal is to invest in more assets, and you have a low mortgage rate, why not take advantage of current 5%+ treasury money market returns (Vanguard has a couple with good returns and very low fees).

It's coming b/c it is going to provide liquidity AND lower investment risk (decreasing cap rates and increasing property valuation). 

Inching closer to the 7% mark, the 30-year fixed-rate mortgage has climbed to 6.90%, up from 6.77% last week and notably higher than the 6.50% recorded a year ago, according to Freddie Mac data.After a period of smaller rate movements offering some relief to homebuyers, recent signals from the Federal Reserve hinting at delayed rate cuts have sparked an upward trend.Sam Khater, Chief Economist at Freddie Mac, emphasizes that strong economic and inflation data are driving this shift.

Absorbtion rates.  

., based on the information in your post, I believe we are talking about a 30-year fixed-rate mortgage with an initial down payment of 5%.To have PMI removed, you need to lower your LTV (Loan-to-Value) ratio.1.