 and keep the price rising, is if you can get cheap enough money to make it cash flow. Because why? The banks won't lend you if it doesn't cash flow. So they're either going to have to continue to lower the interest rate, or they're going to have to start raising the amount of down payments. Now, there was a time when you could borrow 90% of an apartment. That's gone. You've got to put at least 20% down now. In many cases, they're asking for 30% down now.