my 2300 already includes $200 lost income from down payment. Your E-Loan CD brings 150 more after taxes.
I don’t assume anything, I’m merely making an observation that some houses in desirable areas are currently cheaper to own than to rent. Also, if you buy one of them, your cost to own will remain more or less constant, but the equivalent rent may rise with inflation. In my opinion, it indicates that the bottom may not be too far in those areas. Further substantial declines in places like RB and PQ can only be caused by a substantial rise in interest rates or a drop in rents (maybe because of mass layoffs in IT).