There are certainly inflection point that optimizw purchae price and interest rates.
To me you would be hard pressed to get me to put a lot of cash down on a house. I will put down what is necessary only to get the most opportunistic interst rate. The rest of my cash will continue to remain liquid I I don’t mind being negative short term on a mortgage vs money market. Over the long haul I beleive there will be enough periods of time when interest reates paid by banks will be higher than the interest rates paid on current mortgages. This will begin to lower my over all cost of housing.
Whatevr the case may be you plunk down cash you give something up, you take out a mortgage you are tied into a payament and need to be able to manage the cash flow. You’ll only know if you hit it perfectly 5 to 10 years after you bought.
