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    Buy at 7.28% now or risk lower rates pushing New York prices higher?

    That helps. I was treating refinancing as the likely escape route rather than as an optional upside, which makes the decision look safer than it is. I’ll rerun the budget on the basis that 7.28% lasts for the whole time I own the property, then obtain comparable loan quotes showing the rate...
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    Buy at 7.28% now or risk lower rates pushing New York prices higher?

    I’m considering a $510,000 property in New York with financing at 7.28%. I can manage the payment now, but I’m torn between buying at today’s cost and waiting for cheaper finance, when more buyers might return before inventory improves. What stress tests would you run instead of trying to...
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    Comparing Boston listing proposals for a $260,000 studio

    I wouldn’t automatically treat the most inclusive proposal as the best one. Photography and coordination are easier to list than judgment during pricing and negotiation, and a long menu of services does not prove they will be done well. Give all candidates the same hypothetical: two offers...
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