Dani Beit-Or discusses the current high interest rates on loans, emphasizing the need to evaluate the real costs and benefits of property investment. Highlights 💰 Interest rates are currently around 6.3-6.5%. 📉 A 1% difference in rates can greatly affect monthly cash flow. 📈 Real estate typically appreciates over time, potentially offsetting higher rates. ⏳ Waiting for lower rates may result in higher property prices. 🔄 Refinancing can improve cash flow in the future. 🏡 Investing now secures current property prices rather than future increases. ❓ Evaluating what constitutes a “normal” interest rate is crucial. Key Insights 💭 Understanding Interest Costs: While interest rates seem high, it’s essential to analyze the actual dollar impact on cash flow, which may be less than expected. 📊 Market Appreciation: Even with higher interest rates, properties can appreciate significantly over time, potentially yielding a good return on investment. 🕰️ Timing the Market: Waiting for lower rates can lead to missed opportunities as property values may rise, making future purchases more expensive. 🔍 Long-Term Perspective: It’s beneficial to consider long-term gains from real estate rather than focusing solely on immediate interest costs. 🔧 Refinancing Opportunities: Securing a property now allows for future refinancing, which can lower interest rates and improve cash flow without losing initial investment value. 📈 Normalizing Rates: Understanding what constitutes a normal interest rate is vital; rates fluctuate, and current rates may not be as unfavorable as perceived. 💡 Action Over Inaction: Rather than waiting for perfect conditions, taking action can lead to better financial outcomes in the evolving real estate market.