When it comes to deciding between renting and owning, you really need to game out where interest rates are headed—especially when they're being stubborn like they are now. The whole calculus shifts depending on whether rates stay elevated or start falling. Sticky rates mean different plays for different folks: some will double down on ownership while others shift to renting as the economics pencil out differently. Getting this call right could be the difference between winning and losing positions in the long run.