Fortune magazine has published depressing news for those of us who bought recently into the housing market.

The magazine places Tampa in the top five of "real estate markets poised to fall." Florida favorites Miami and Orlando join us in this not-so-elite company. Lauderdale and Palm Beach aren't far behind.

Fortune concludes that few people want to buy a house or condo that they can rent for less. You see it everywhere: Investors pay $2,500 a month for a home they bought during the boom but can rent it for only $1,500. From a buyer's prespective, what's the incentive to buy when you can rent for $1,000 less a month?

Two things could help break the impasse: Home values start rising slowly again, making home ownership more attractive, and a reduction of rental homes on the market allows landlords to raise rents to cover more of their house payments.

Keep in mind that this report includes condos, gluts of which are forming in places like Miami, coastal Pinellas County and downtown Tampa. Houses in desirable neighborhoods wouldn't feel the rent/mortage pinch the same way.

Also, we've probably already experienced part of this supposed 28 percent price decline. In my new neighborhood, prices are down 15-20 percent this year.