Low interest rates are hard to catch. Smart planning is easier to hold onto. by Rich Arzaga, CFP®, CCIM , The Real Estate Whisperer® Financial Planning Interest rates touch almost every area of personal financial planning and rental property ownership. They influence cash flow, borrowing decisions, and ultimately the sustainability of a long-term plan. Used thoughtfully, debt can support good outcomes. Over-relied upon—or misunderstood—it can quietly introduce risk into an ot