The SD market is probably declining or flat for another couple of years. Even knowing that I recently bought a home. Just got tired of renting and waiting for the landlord to fix things that they never seem to fix, got tired of the neighborhood, etc… After renting for over four years waiting this damn thing out I couldn’t take it anymore. We probably paid too much but oh well. At least it’s a fixed rate so we know the payments will never increase. And at the rate they’re printing money these payments are going to look like chump change in 10 years.