Economy not as solid as headline numbers suggest

Economy not as solid as headline numbers suggest

It is interesting that the market continues to focus on interest rates and employment as the barometer for the economy while totally ignoring one metric.  As a lender I just did an analysis on our portfolio and one metric jumped off (chart above is my portfolio).  In...
President Biden’s national rental regulations announced

President Biden’s national rental regulations announced

States have traditionally set rental regulations including zoning, evictions, etc… but that is all set to change with the president’s new proposal.  The federal government will now be assuming many of the powers that were granted to the states. The biggest change is...
Will realtors’ settlement lower home prices?

Will realtors’ settlement lower home prices?

The big premise of the commission lawsuit against the national association of realtors is that high commission fees were one of the leading drivers of real estate prices.  How true is this statement?  Will the new commission structure for realtors lead to a reduction...
Interest rates jump again, are they really going to decline this year?

Interest rates jump again, are they really going to decline this year?

As suspected the March consumer price index came in hotter than expected which should be no surprise to anyone buying groceries, going out to eat, or traveling, everything is considerably more expensive and there continues to be insatiable demand.  What does this mean...
Car loan defaults rise what does this mean for real estate

Car loan defaults rise what does this mean for real estate

According to everything I’ve read, the economy is humming along.  Economic growth is good, the labor market is healthy, and a soft landing is  all but inevitable.  At the same time lenders are acting polar opposite of what we should expect.  Why are lenders all the...
Senate calls for Fed to lower rates; will the fed oblige?

Senate calls for Fed to lower rates; will the fed oblige?

  The market currently has a fixation on interest rates.  Senators are now jumping on the bandwagon pushing the federal reserve to “immediately” cut rates to help the real estate market and affordability.  Unfortunately, the senators do not fully grasp how...