It’s always a bit of a gamble and I personally tend to error on the more cautious side.

Agreed, but I don't want to bank most of my net worth on a low probability gamble if I can help it.It often isn't worth their time to go after the equity if they have to deal with paying off a bank loan.

So I am taking a big gamble on rates being lower in two years.  

So last year we contacted our web designer (she works exclusively in the real estate field) and after studying our niche she came up with an ongoing SEO plan.  

Per the IRS web site ...

If you don't know or aren't sure, it is a gamble.   

This is a fall of 13% so far.The lack of coherent thinking in the text of the article contrasts with the interview with Ara Hovnanian that appears on the same web page.

Coming soon: America’s own social credit systemhttps://thehill.com/opinion/fi...The new domestic “War on Terror,” kicked off by the riot on Jan. 6, has prompted several web giants to unveil predecessors to what effectively could become a soft social credit system by the end of this decade.

It would be a match up.hot dogs vs hamburger.bread vs frosted flakes.a pound of butter vs a pile of miracle whip.fajita meat vs chicken breasts.etc.I'd take a picture and post these food competitions on the web and people would vote on what gets eaten first and what animal would eat it first. 

That’s gambling.