Still Waiting for Lower Interest Rates? Here’s Why That Strategy Is Costing You

If you’re a high-income earner, business owner, or investor holding out for “perfect” interest rates before buying property, it’s time for a reality check. Those 3% mortgage rates aren’t coming back—and the longer you wait, the more you’re losing.

💸 What Waiting Is Really Costing You

Let’s break it down:

❌ Inflation Erodes Your Buying Power

• $200,000 in cash is losing ~$5,000/year in real value

• Waiting 2 years? That’s $10,000 gone—without investing a dime

• Meanwhile, home prices and rents have kept rising

✅ Other Investors Aren’t Waiting

• They’re buying cash-flowing deals now

• They’re building equity and earning monthly income

• They’ll refinance later if rates drop—without giving up gains today

🏡 The Smarter Play for 2025

Waiting for “perfect” conditions means you might miss the perfect property.

Here’s what smart investors are doing instead:

🔹

Cash Flow > Rate Obsession

If a deal pencils out today, it’s a win—even with current interest rates.

🔹

Buy the Property, Date the Rate

Lock in the asset now. If rates improve, refinance. If they don’t, you’re still earning.

🔹

Put Idle Capital to Work

Use:

• Short-term debt funds

• Private notes

• Income-producing real estate

…to earn 8–12% returns instead of losing money to inflation.

📍 A Real-Life Example from Las Vegas

One of our clients recently bought a rental property in Henderson. Despite a 7% rate, the deal:

• Cash flows over $1,000/month

• Offers long-term appreciation upside

• Will be refinanced later if conditions improve

They didn’t wait—and now, their money is working.

🙋‍♀️

FAQs: Should I Wait for Lower Rates to Buy in 2025?

1. Are low rates coming back soon?

Unlikely. The Fed is stabilizing inflation, not rushing to slash rates. Experts predict 5–7% rates for the foreseeable future.

2. Isn’t it smarter to wait for better deals?

Only if deals actually improve. In Las Vegas, inventory is still tight, and high-quality properties are moving quickly.

3. Won’t I overpay at today’s rates?

Not if the property cash flows. Focus on net returns and long-term value, not short-term rate fluctuations.

4. What if I buy now and rates drop later?

Refinance. Today’s best investors lock in good assets now and refinance when conditions improve.

5. How can I invest if I’m holding cash?

Use your capital to acquire real estate, notes, or fund structures earning 8–12%+. Don’t let it sit and lose value.

6. Should I wait until 2026?

That could cost you more than it saves. Start building equity now, even if it means a slightly higher rate up front.