And the o es that are left are only going to go after the low hanging fruit like OP... cant let the peasants know that that the 1% dont really have to pay taxes...
Google "CME rate watch". It gives you the chances of a rate cut and the amount of rate cut. O.25 % over 90% priced in. The last thing the fed wants to do is surprise the markets. These are telegraphed. This is from someone that works in mortgage banking and has been following this for 19 years.
https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html