As a result, metro sales dollar volume decreased 7.3% to $1.44 billion, while Austin held flat at $672 million.Pending sales grew strongly, rising 22.2% in Austin and 15.3% across the metro, which may indicate demand building into the fall.

That ROI is how to calculate how you make money in notes and do not understand the value of the note decreases with every payment so ROI is probably the worst metric.3.

Honestly you are better off waiting until you see a full percentage decrease in rate to refinance.

The state has asked for voluntary 15% decreases in usage, but nothing mandated for the area. 

That may have worked for several years, but it is NOT working in most parts of the country which are experiencing flat rent rates and even decreasing rents.- Also, this approach leads to more turnovers and PMCs actually make more money due to Leasing/Placement Fees!

Hi @Ray Pantle You can still make cash flow in Scranton, but the margins have been decreasing.  

At rates over 6% (generally as a rule of thumb) price decreases do not have significant impact on affordability. 

The Memphis properties I saw in the $150,000 range will decrease in value.   

Interest rates high(er), which means cash flow decreased and other negative factors.  

My risk continues to diminish as the market decreases and I purchase properties.