CPI Blows Hot, Rate Cuts? Not Bloody Likely

[Michael Carbonare]

𝐓𝐡𝐞 𝐅𝐞𝐝 𝐢𝐬 𝐧𝐨𝐰 𝐥𝐨𝐬𝐢𝐧𝐠 𝐭𝐨 𝐢𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧. 𝐀𝐫𝐞 𝐲𝐨𝐮'𝐫𝐞 𝐬𝐭𝐢𝐥𝐥 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐟𝐨𝐫 𝐥𝐨𝐰𝐞𝐫 𝐫𝐚𝐭𝐞𝐬?

CPI just dropped. It's ugly.
All-items CPI: 3.81% year-over-year. Worst since April 2023.
Core services: spiked 0.50% in one month. That's 6.2% annualized.
Gasoline: up 28% YoY.
Electricity: up 6.1% YoY. . .and it never comes back down.

The Fed's policy rate sits at 3.5% to 3.75%.
Inflation is running at 3.81%.
That means "real" rates are now NEGATIVE.

If you're sitting on the sidelines waiting for rates to drop and magically fix affordability, that cavalry isn't coming. Inflation is re-accelerating. The Fed is boxed in. And as you continue to wait, your purchasing power erodes.

If you're still waiting for the "right time" to invest, you're chasing fool's gold. There is no perfect market. There never was. But here's what IS happening right now:
Motivated sellers everywhere.
Accidental Landlords multiplying by the thousands.
Stale inventory piling up.

That's not a bad market. It's chaotic. But within that chaos lies opportunity if you know how to structure deals that don't depend on heavy entry costs, bank financing or low rates.

Cooperative Assignments. Lease options. Creative strategies that work in ANY rate environment.
The "right time" isn't when rates drop. It's when you stop waiting and start doing.