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One caveat on resale: “duplex” is not automatically the liquid choice if the layout, condition or operating costs are awkward. Likewise, a well-located mixed-use property with understandable expenses may be easier to assess than expected. Compare the actual buildings, not just their labels.

The practical decision rule seems straightforward: buy only if 4.92% works with today’s income, leaves reserves, and remains survivable under a higher reset rate and weaker resale value. Wait if improving the down payment or loan-to-value materially strengthens that position. Either way, do not...

Make the offer easy to evaluate: stated price, credible financing proof, a couple of completion-date options, clearly drafted conditions and a reasonable response deadline. Avoid an artificially short deadline; after four months, pressure tactics are unlikely to improve the tone. Before...