This mentality is akin to expecting someone to walk by you on the street and offer you stock options in the next tech giant.

Now I've noticed they are up about .25% on commercial/apartment loans as well. http://www.crefcoa.com/apartment-rates-main.htmlThe strong stock market is attracting investors away from bonds, causing bond rates to rise to compensate. 

I have been having a disagreement with my property manager on what to stock the house with, I want to go higher end goodies, he say to go to Target and buy cheap.

Real estate has always interested me due to the fact that unlike investing in stocks, real estate is something you can actually see, change, and physically watch grow.

It actually works quite well in larger subdivisions with uniform housing stock, the opposite is true in rural areas or homes that are a little different than the comps or areas where the housing stock is very diverse.

(More like 23% because you're paying yourself back)Whereas if you just left it in the stock market you might only be getting a 8% return. 

If you love Trump, you think investors are dumping treasury bonds and putting the cash in stocks to take advantage of the economic prosperity to come due to his tax and regulation reductions.  

If you can do better than prevailing rates you would put your money elsewhere, like the stock market as an example. 

Maybe after the stock market crashes, we'll find more deals. :-)

So leads me to two questions:1: if it's a bad time to buy a primary residence; why would it be a good time to invest in REI - aside from possibly following a DVA approach to REI like I would stocks for example.2: waiting feels like I'm going to 'guess the market' - I'm not certain that housing prices will fall all that much, perhaps they just flatten out to match inflation (as I've read for my market due to strength) and I'm fairly confident that rates will creep up.I would not purchase a home that has a monthly greater than 25% of our net (and this is after maxing 401s).