Your local area matters a lot too. Is your city gaining or losing population? Is there new development adding units onto the market, or have NIMBYs locked it up

Your local area matters a lot too. Is your city gaining or losing population? Is there new development adding units onto the market, or have NIMBYs locked it up? Do local tax laws incentivize long term owners over short term owner? All of these can have an effect that'll blow interest rates out of the water.