[trenning]

Counter point, I have a 2.25% fixed 30yr but am looking to sell in the next couple months.

Reason being I’m in a townhouse. They do not appreciate at the same rate as single family detached and it also carries an endlessly increasing hoa fee.

Due to the hoa increases it also limits how well a property can cash flow as a rental so keeping the property as an investment is doubly less attractive as often you can forgo rental income in lieu of asset appreciation.

[jjav]

HOAs are the only thing so evil that it is more favorable to give up a 2.25% mortgage than to deal with a HOA!