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

A data-driven analysis of the U.S. housing market, mortgage rates, and residential real estate investment performance based on National Association of REALTORS® economic research. by Rich Arzaga, CFP®, CCIM , The Real Estate Whisperer® Financial Planning Most #realestate investors feel like the market has gone quiet—maybe even stalled. Values seem flat, transactions feel slower, and confidence is mixed. But when you step back and look at the data professionals are using behin