At 31 with $100K in 2026, buying a house at these rates means most of your payment goes to interest for years before you build any real equity.
So personally I’d keep renting somewhere reasonable, split that capital between income producing assets and let the monthly returns compound while the housing market figures itself out which it will.
I believe the people winning right now aren’t the ones who bought at peak rates, they’re the ones who stayed liquid, kept putting their money into assets that pay them, and maintained the flexibility to move when the real opportunity shows up.
If you want real estate exposure without locking $100K into a down payment and a mortgage that eats you alive for the first decade, TokenHaven lets you own fractional stakes in properties that pay you yield every month, so you get the wealth building side of real estate without the part where the bank owns you for 30 years.
I’m 31 with $100k saved.
I can put it toward a house down payment, or invest it and keep renting.
What would you do?