But if you do have a house that sits in expansive soils and are susceptible to shrinking and expanding they can put pressure on the basement walls (exacerbated by frost/thaw cycles) and cause them to crack horizontally.

I have refinanced (rarely mind you as there are costs that take years to recoup on a refi) and am happy to see equity build as the mortgage shrinks.

Is it growing or shrinking? 

Short-term rentals are great when cash flow is strong, but with profit margins shrinking, switching to a long-term rental could add some stability.

(They both shrink your pool or buyers and combining them really shrinks the pool.)Assuming you don’t plan to do a 1031 exchange you’ll also pay higher taxes if you can’t spread them over two calendar years, but not much. 

Here’s how it works:Population Decline or Stagnation: If the population is static or shrinking, the current housing supply meets demand, and property prices decline (in inflation-adjusted dollars).

Here’s how it works:Population Decline or Stagnation: If the population is static or shrinking, the current housing supply meets demand, and property prices decline (in inflation-adjusted dollars).

If you dont sort out your global cashflow, this may only prolong the inevitable at the expense of your equity.Option 2 would be leave CA and shrink your balance sheet by selling the properties and paying off the CC debt.

So, even as the Fed lowers the Federal Funds rate, and as we see the spread between the 10-year treasury yield and the 30 year mortgage rate shrink, upward pressure on the 10-year from longer-term foundational pressures will see mortgage rates tick up or or at least hold steady.While this is neutral/slightly negative news for home buyers, it is very bad news indeed for our friends in the commercial real estate world, who are really seeing the best case scenario for the 10-year right now.

An interesting trend in the senior housing industry is that the average stay for a senior in a traditional institution is shrinking due to the costs of the services.