Yes, interest rates are up — but that doesn’t mean you’re out.
The market has changed, but opportunity hasn’t vanished. It’s just evolved.
And if you know how to move through high-rate seasons, you can still win in real estate.
Here’s how.
1. Focus on the Monthly, Not Just the Rate
A 7% interest rate sounds scary — but a manageable monthly payment is still the goal.
Ask yourself:
- What can I comfortably afford monthly?
- How long do I plan to stay in this home?
Your payment matters more than the headline number.
💡 Citrus Tip: Get quotes from multiple lenders — a 0.5% rate difference could save you thousands over time.
2. Negotiate Like It’s 2012
In a hot market, buyers compete. In a high-rate market, buyers win.
Now is your time to:
- Ask sellers for closing cost help
- Negotiate price reductions
- Request repairs or credits
Sellers are motivated. Don’t leave money on the table.
3. Buy Now, Refi Later
You’re not locked in for life.
If rates drop in the next 12–24 months, you can refinance.
🏦 Strategy: Buy the right property now. Improve your credit. Build equity.
When rates dip, refi into something better—and you already own the asset.
4. House Hack Your Way Through It
With higher monthly payments, the smartest play might be sharing the cost.
- Rent out a room
- Get a basement tenant
- Buy a duplex or triplex with FHA (3.5% down)
Your mortgage becomes lighter—and your wealth grows faster.
5. Look at What the Market’s Really Doing
People fear a crash, but here’s the truth:
- Inventory is low
- Rent is high
- Demand is still strong
If you’re buying for long-term gain—not short-term flipping—you’re still making a solid play.
Final Thought:
Timing the market is luck. Owning in the market is leverage.
Don’t wait forever trying to “beat” the rate.
Get the right deal, the right property, and the right plan—and let time do the heavy lifting.
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