What's cool is that interest rates can be refinanced and you can refinance your mortgage at any point. So it's not like, Oh, I'm paying 7% right now on my mortgage. Okay, fine. Well, in two years, if they go back down, you refinance into a 5% or 4%. You're not stuck for life with that.

But what doesn't typically and almost historically always go down as rents, rents typically go up because inflation tends to go up, rates go up and down. So it's kind of like dollar cost averaging. When things go down, you just refinance to get the lower rate. And then you lock in that rate for the next few years.

If they go down again, you just refinance again. So I don't worry about rates right now because rates are temporary. Rents are going up.