Fed cut rates three times, sitting at 3.5 to 3.75% now. Mortgage rates still in the low 6s though. REITs- Low barrier to entry. Start with a few hundred bucks, get monthly dividends, no tenants to deal with. $AGNC paying 12 to 14% yield. Downside is these get hit hard when rates swing around. You’re collecting income but not really building equity the same way. Physical property- You build real equity over time. Rents rise with inflation. Lock in a rate now and refinance later if rates drop. Downside is median home price is $416,900 and what worked at 3% financing doesn’t always work at 7%. Bottom line REITs are accessible with solid yield but come with volatility. Property builds long term wealth but takes more capital and patience. Which way are you leaning? Anyone here in mREITs or recently bought property?​​​​​​​​​​​​​​​​