I have no issue with anything you said about the past.
I was just taking issue with the best areas being the least interest rate sensitive. With the exception of the >$1.5 million areas, I don’t think that’s true, if by the best, you mean the most expensive. I’m not sure there is much in the way of “best areas” in central SD, south county or east county. Not none, but not much.
Out of curiosity, how do you know most of the sales are all cash? That really doesn’t sound like owner occupied. It sounds like investors.
