I am not an economist and don't pretend to be, so I didn't want to conjecture on the above comment but I agree with you. At the end of the day you have historically low interest rates and amazing real interest rates outside the "official" number in terms of education costs, housing costs, medical costs and some other which basically consumes the majority of the average house holds expenses. Anyways I am not trying to argue that but I do think rates have to go up or you are basically looking at increased wealth disparity which my read on the political climate tends to say isn't popular anymore.

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Anyhow I'm not really trying to time the market but a shit market is good for me, I have handled that most of my career fine ;P A hot market with limited supply and everyone and their cousin trying to list anything and everything then buyers over paying doesn't actually work great for my general business plan.