Global Real Estate Market Faces $175 Billion Debt Spiral: survive until 25

Global Real Estate Market Faces $175 Billion Debt Spiral: survive until 25

  The bank mantra over the last 3 years has been survive until 2025.  2025 is when bankers were predicting a sharp decline in rates that would ultimately bail out the beleaguered commercial property market.  Here we are at the dawn of 2025 and 10 year treasuries and...
A hidden crisis in US Housing; are fish the root cause?

A hidden crisis in US Housing; are fish the root cause?

  I took the pic above of a house after a small fire in CO.  I’m amazed the house had made it.  Unfortunately thousands of property owners in LA are not as lucky.  The recent fires in LA are estimated to cost upwards of 50 billion making it one of the costliest...
Will Mortgage rates stay higher forever?

Will Mortgage rates stay higher forever?

  Wow, 2024 was definitely a surprise, at the beginning of the year, there were huge predictions of a rapid decline in rates, fast forward to 2025 and now rates are actually rapidly increasing even after the federal reserve cut short term rates.  Why are rates...
The largest buyer of mortgages predicts big changes to house prices

The largest buyer of mortgages predicts big changes to house prices

  Fannie Mae, one of the largest buyers of residential mortgages has some profound predictions.  Will house prices continue their upward trend through 2030? How accurate are the predictions below?  How can house prices continue in such a linear fashion?  Will...
Fannie/Freddie no longer fund 2nd mortgages; Big changes to mortgage fees on borrowers

Fannie/Freddie no longer fund 2nd mortgages; Big changes to mortgage fees on borrowers

  The federal housing finance agency (FHFA), the largest buyer of mortgages through Fannie Mae and Freddie Mac (Fannie/Freddie), announced huge changes to there fee structure.  In particular they are targeting high cost loans with big jumps for second...
Coronavirus lending 101: What do you need to know to get funding

Coronavirus lending 101: What do you need to know to get funding

The Coronavirus pandemic has thrown the economy off a cliff leaving many equity rich property owners with no cash flow.  The pandemic has caused many residential and commercial tenants to defer or totally miss payments as the economy shuts down.  Property owners are...