Commercial real estate typically appreciates in value when interest rates drop because buyers can afford to pay more for assets at lower borrowing costs.In September, the U.S. central bank started moving aggressively in this new direction and cut interest rates by 25 basis points (bps). Rates were cut by a further 0.025% in October and November.With Arrived, you can browse a curated selection of homes, each vetted for their appreciation and income potential. Once you find a property you like, you can choose ...

文章核心观点 - 成为百万富翁的两个主要途径是投资退休账户和拥有已还清贷款的自住房 [1] - 尽管当前高房价和高利率环境使实现这两个目标充满挑战 但积累财富永远不嫌早或太晚 [2][3] - 减少其他债务是加速还清房贷并积累净资产的关键步骤 [4] 美国住房市场现状 - 30年期固定利率抵押贷款平均利率徘徊在6.25%附近 [2] - 美国八月份新房销售价格中位数为413,500美元 [2] - 美国家庭债务总额在2025年第二季度达到18.39万亿美元 较上一季度增加1850亿美元 [3] 退休储蓄挑战 - 61%的50岁及以上成年人担忧退休后资金不足 [2] - 20%的50岁及以上成年人没有任何退休储蓄 [2] 房地产投资替代途径 - 通过Arrived等平台可投资租赁住宅和度假租赁房产 无需承担房东管理职责 [4] - Arrived提供低门槛投资选项 具有获得季度分红的潜力 [5] - 房地产投资信托基金是投资房地产市场的另一种方式 有助于投资组合多元化并赚取被动收入 [5]