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Monday, April 14, 2025

A Silver Lining in Today's Market and How to Take Advantage of It

Today marks a rare bright spot in an otherwise turbulent economic year — both interest rates and gas prices have hit their lowest points of 2025. While the broader global market continues to wrestle with the effects of tariffs, fluctuating inflation, high interest rates in recent months, and a real estate market slowed by both low supply and tepid demand, these drops present a moment of opportunity.

I see these indicators as more than just numbers — they’re signals? for opportunities. During the COVID-19 crisis, we advised many of our clients to double down and invest while the crisis was still unfolding. Those who leaned into the uncertainty saw significant gains when the market rebounded. Those who waited for the dust to settle? They missed the biggest wave.

One strategy we often recommend during times like this is dollar cost averaging — steadily investing or paying down debt in consistent amounts over time. This approach removes the stress of trying to “time the market” and helps you build wealth or reduce liabilities gradually, even in volatile conditions.
Here are 5 steps you can take right now to leverage today’s economic climate:

1. Reassess Your Buying Power

Lower interest rates directly affect your ability to borrow. Whether you're a first-time buyer or an investor, a reduced rate means your monthly mortgage payment could be significantly lower — or that you could afford more house for the same budget. If you’ve been on the sidelines, this might be your sign to jump in.

2. Refinance If You Bought in the Last 2 Years

If you purchased property when rates were higher, consider refinancing. Even a 1% reduction in your interest rate could save you thousands over the life of your loan. With this current interest rate dip, it's the perfect time to run the numbers for a potential refinance.

3. Reduce Transportation Costs & Redirect Those Savings

Lower gas prices may seem like a small win, but they add up quickly. Take the money you’re saving at the pump and apply a dollar cost averaging approach: set a fixed amount weekly or monthly toward savings, investment, or debt payoff. Small, consistent contributions compound into big wins over time.

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4. Look Into Multi-Unit or Rental Properties

With home supply still low, demand for rental housing remains steady in many areas. If you can secure a property now while rates are down, you could benefit from long-term rental income and appreciation — especially if prices start to rise again when the market recovers.

5. Prepare to Sell Strategically

If you're thinking of selling, this may not feel like the ideal moment. But low interest rates can increase buyer activity. Combine that with staging, small updates, and strategic pricing, and you could attract the right buyer in today’s market.
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The Bottom Line


Yes, the economy is complex right now. Yes, global uncertainty lingers. But in the midst of that, there are very real, very tangible financial advantages you can claim — especially in real estate. The key is to act while others are hesitating. Remember: opportunity often wears the disguise of uncertainty. By the time the picture is clear, the window has already closed.

Written by: Victor Lofinmakin

About Victor Lofinmakin


Victor Lofinmakin is the team leader of “The Victor Lofinmakin Team”, under the umbrella of Keller Williams Signature. He is a top producing realtor and earned the honors of “2016 Top 20 under 40 rising stars of Real Estate by Har.com”, He is a licensed Residential Mortgage Loan Officer with Discovered Homes Mortgage.

He is a Lieutenant Commander in US Navy Reserves. He is also the author of the best seller “Success Made Simple”.

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