The Passive Income MD Podcast #277 Should You Still Buy Real Estate with High Interest Rates?
Aug 18, 2025
In a candid chat, Dan Peck, a Senior Loan Officer at Movement Mortgage with over 25 years of experience, tackles the pressing question of investing in real estate amid high interest rates. He shares actionable strategies for navigating the current market, focusing on the benefits of adjustable-rate mortgages and the timeless value of real estate as a long-term investment. Dan emphasizes transparency and support in the mortgage process and highlights how even first-time buyers can make informed choices in today’s fluctuating landscape.
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Real Estate Still Strong Long-Term
- Real estate has been a strong long-term investment outside the 2008 bubble period.
- Holding property long-term typically builds equity and wealth despite rate cycles.
Fed Rate ≠ Mortgage Rate
- The Fed controls the federal funds rate but not mortgage rates directly.
- Mortgage rates move in the bond market and react to Fed signals, not direct Fed rate changes.
Buy When Life Demands, Not When Rates Please
- Don't wait on rates if you need to move; renting gives you no tax benefits or equity.
- Buy now if life requires it because prices and inventory can change faster than rates.