That said, think about the long-term impacts of compounding interest in the absence of taxation! 

How does that number impact your retirement? 

Be prepared.Even if your personal home is only mildly impacted, but your community who relies on tourism has a BIG impact, understand that this will take months or years to recover from and some communities will not recover.

The rate is impacted ultimately by all of these factors.  

At the time, I didn’t realize how much that could impact my agent’s ability to advocate for me.

However, a major employer pulling out of the town your rental property is in could severely impact the rental market, cutting your rental income.

Additionally, Stockton is currently experiencing a slight shift towards a buyer’s market, which could impact your decision to rent out versus sell.

Personally, I tend to see it more with my clients when they are buying vehicles as they are scaling (crushes DTI/FICO in the short term), but that sucks that its impacting what you can do with your family.

While this trend is reshaping industries across the board, one sector is particularly impacted in ways many may not realize: real estate.

You make some excellent points regarding the impact of higher deposits on finding the right property.