During the Covid real estate boom everything with 4 walls took off in price. Are these price gains sustainable? Will real estate fall back to Covid values, wiping out huge gains in real estate prices? Have prices already adjusted to pre covid levels in some...
The May inflation report is in, rising to the highest level in 3 years. Look at the chart above, out of nowhere yields have surged to almost 20-year highs and predictions exceeding 6%. The market is suddenly catching on that we have an inflation...
When I saw the headlines about NY reducing property insurance rates I was definitely intrigued. How can NY reduce property insurance rates 30% overnight while the rest of the country is facing double digit increases year over year? What is New York's secret?...
New government rules allow Crypto to be used for mortgage collateral. At the same time Crypto just hit its lows for the year plunging 52% over the last year while the S&P return is about + 24%. Should lenders accept crypto for mortgages? How does this impact...
Rents have made a quick U turn. After rising substantially over the last decade, they are quickly reversing course. Why are rents now falling? Is this just a trend or a blip. Look at the chart below, how does this alter the predictions on rents? ...
Last week I asked all of you what happens to mortgage rates based on recent events? The real estate pros have spoken, the majority think (70%) that rates will stay about where they are at or head a little higher. I was most surprised at how...
Look at this chart above, out of nowhere yields have made a U-turn with long term treasury yields surge to almost 20-year highs and predictions exceeding 6%. This is exactly the opposite of what economists had predicted at the beginning of the...
Recently Realtor.com and Zillow have been promoting “risk scores” for properties to reflect environmental risk from fires and floods. These new scores are radically altering real estate prices. What is included in the new scores? Are you impacted? How accurate...
Another uptick in the US’s annual inflation rate comes as little surprise as the US-Iran war rumbles on, but it’s still deepened uncertainty across the US housing market and clouded the interest rate outlook. “Based on the recent readings, I think any rate cuts are...
The housing market has a multi-billion dollar problem that nobody is talking about. Since the last recession economists harp on the fact that underwriting is so much better now than it was leading up to 2008. This is correct except for one lender, the federal...
Over the last 30+ years it has historically been more expensive to live inside a city versus the suburbs. The demand for urban living was huge over the last 20 years. This narrative is now changing with the suburbs in many major cities poised to overtake urban...
Zillow’s stock has plunged, losing 65% of its value over the last 5 years. To put this in perspective, the Nasdaq 100 has doubled during this same period. Why is Zillow, who was once an internet darling, now falling precipitously? What does this mean...
There has been considerable talk about stagflation now mirroring the 70s with high energy prices and low growth. Recently, all the data seemed to be pointing in this direction other than one metric. The economy keeps growing exceeding pretty much every...
Last week I asked all of you “Will the Compass Lawsuit with Zillow radically alter the way real estate is bought and sold in the United States?” The real estate pros have spoken and as you can see from the chart, the vote was pretty close 55% saying there would be a...
Like many of you, I hate it when I see headlines like above and am always a bit skeptical. Real estate has basically operated pretty much the same way for the last 20 years or so without any real structural changes, but a recent lawsuit against Zillow...
Last week I asked all of you will credit score shopping impact residential real estate? The real estate pros have spoken and as you can see from the chart, the overwhelming choice was that residential real estate would be impacted by the ability to shop for...
In case you missed it, I was recently quoted in a Mortgage Professional America article: Is this the perfect storm for housing. It is a great article focusing on the impact of interest rates, consumer confidence, etc.. on the spring housing season that is now...
The Biden Administration took steps to enable less credit-worthy borrowers to qualify for mortgages to support the housing market. Now the Trump team is doing even more in the name of boosting home ownership and lowering costs for borrowers with a surprising...
Last week I asked all of you what happens to real estate prices the remainder of 2026? I posed this question in order to gauge reader thoughts on the Iran war, inflationary pressures, etc.. to see if these items would radically alter prices the...
2026 was set to be the big recovery in real estate with rates lowering, setting us up for a great year. Instead, the Iran war kicked off driving energy prices and in turn inflation up. The rate narrative has made a U-turn with the question of when to...
Last week I asked all of you when we would see a major reset in real estate prices? The real estate pros have spoken and as you can see from the chart, the overwhelming choice was there will not be a major reset in the next four years. Do you...
Look at the chart above of consumer delinquencies? We are now in line with 2017, but is that the real story? Look at 07 what do you notice? Will the economy mirror the 08 reset or has something else fundamentally changed? With the current delinquency rates...
Last week I asked all of you how will the Iran war impact the economy? The real estate pros have spoken and as you can see from the chart, the overwhelming choice was that the economy falls modestly. What was the key rationale behind the...
President Trump recently announced a new ban on large investors buying single family homes. Ironically this bill is almost identical to what Biden/Harris had proposed a few years ago but with a new twist that will radically alter the housing markets. Large...
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