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? ...
residential hard money lender
Rates make a u turn; should you panic?
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...
New flood and fire risk scores radically alter values
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...
What is hiding in the real estate market?
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...
More expensive to live outside a city than in a city
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 stock plunges: impact on real estate
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...
Is Stagflation dead, what happens now
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...
Will new lawsuits radically alter how real estate is bought and sold?
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...
Big changes to how real estate is bought and sold
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...
How will credit score shopping impact residential real estate?
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...
Is this the perfect storm for housing
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...
Washington inflates credit scores and another housing bubble
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...
91 percent probability real estate will be okay through 2026
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...
When will there be a major reset in real estate prices
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...
When will real estate crash or will it?
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...
Oil prices up, job numbers down: What it all means for mortgages
If you missed it (here is a link), last week I was interviewed in Mortgage Professional America on what happens to mortgage rates and real estate as a result of the huge economic news last week with jobs slower and energy prices skyrocketing. What does the...
What does the Iran war mean for real estate?
I was a bit surprised at the market reaction, check out the 10 year treasury (above) on the Monday after the war began. I would have predicted the opposite reaction with yields falling. What are the three primary reasons rates are now rising? What impact does this...
Get your own house in order to solve affordability
The Trump administration hasn’t been short of proposals in recent months it says will improve affordability in the housing market and boost Americans’ chances of taking out a mortgage. “All of the proposals are short-term fixes,” Glen Weinberg of Fairview Commercial...
Supreme court nullifies tariffs, 3 big changes to real estate
The supreme court throws out president Trump’s tariffs. What does this mean for real estate building costs and interest rates? Why is the chart above so important? Will this decision drastically alter the real estate market one way or another? What happens...
Will real estate prices rise? Are the predictions wrong?
Every major economist is predicting real estate prices remaining flat to falling modestly in 2026. How accurate are these predictions? Is there a scenario where prices buck every prediction and rise later this year? A prior survey shows a radically different...
What happens to the economy, the results will surprise
Last week I asked all of you what happens to the economy over the next two years ? The real estate pros have spoken and I was a bit surprised by the answers. There was no clear winner on where the economy heads from here. What was the key rationale...
Bitcoin plunge impact on real estate and economy
Bitcoin has had a wild ride, declining over 50% in over a month plummeting from a high of 120k to 60k. Check out the chart above. Why the sudden drop in cryptocurrencies? What does this mean for real estate prices? Looking at the chart below, how will interest...
Has the economy lost its mind
As I was walking on a snow covered trail, I found a blaze orange sweatshirt. WTF, who loses something like this and doesn’t even notice? It made me start thinking, has the person lost their mind? Has the economy lost its mind? Look at three charts below: Gold,...
What will be the average 30 year mortgage rate in 2026
Last week I asked all of you what will mortgage be one year from now? The real estate pros have spoken, the majority think that rates will end up around 5.5-6%, with a close second saying 6-6.5%. What changed from last year. How accurate are these...



























