Liberal Forum

Get ready for "Subprime" 2.0..

Values so high and Interest thats just ya Mortgage , Taxes and Insurance....forget maintaince or repairs

Avereage People cant afford "Property" anymore realistically even if they got 2/3 jobs the wages just aint kept pace with "Inflation" ..

"

“The housing market is rolling over because people can’t afford them.  What was keeping a floor in the housing market were rents by the illegal aliens.  That’s all going the wrong way.  Trump is deporting people, and we closed down the border.  Our housing report that we put out a month ago . . . all the indicators are rolling over, and we are going to have a housing recession.  We are going to see inflation go lower because housing is 36% of the economy.  We expect to see a sub 2% print on inflation.”

What about the Fed cutting interest rates next week? 

https://www.zerohedge.com/markets/trump ... -cut-cycle
 
 

Lets go back as recently as 2 decades ago 2006/2008 housing Crash

What ended up happening people so deep in over their heads they just quit making the mortgage payments and walked away causing Bank Failures and Stock Market Crash too..

Nowadays those Same homes are Double , Triple, even Quad-druple the "Assement Value" but ya local property taxes and school distict based on Assesment "mil-values"..

Many Old folks after they retire too can no longer afford the property taxes anymore and Sell and move a "Seniors Only" Apartment or trailer park because they made their money lower wages in a different economy and prices stucture than todays Co$ts and Social Sercurity payments dont keep up they got "No Choices"
 
 

Last bump is anybody maybe interested before it falls down into eternity so they say

TwoIfByTea » 15 Sep 2025, 9:17 am » wrote: ↑

15 Sep 2025, 9:17 am

Get ready for "Subprime" 2.0..

Values so high and Interest thats just ya Mortgage , Taxes and Insurance....forget maintaince or repairs

Avereage People cant afford "Property" anymore realistically even if they got 2/3 jobs the wages just aint kept pace with "Inflation" ..

"

What about the Fed cutting interest rates next week? 

https://www.zerohedge.com/markets/trump ... -cut-cycle

Ummm,,, WHO KNOWS !  ...If the Fed drops the Interest rates by 1/2 point this Thursday, and makes it sound like this is just the beginning... Mortgage rates could drop 2-3 points pretty quickly, and THEN? ...AND THEN, the Housing market looks COMPLETELY different !

TwoIfByTea » 15 Sep 2025, 5:03 pm » wrote: ↑

15 Sep 2025, 5:03 pm

Last bump is anybody maybe interested before it falls down into eternity so they say

We're over-built. There's a housing unit for every 2.1 people in the United States. 

Time for a crash. 
 

Cannonpointer » 15 Sep 2025, 7:58 pm » wrote: ↑

15 Sep 2025, 7:58 pm

We're over-built. There's a housing unit for every 2.1 people in the United States. 

Time for a crash.

This says there is a shortage:

shortage of houses results from a long-term decline in new home construction, insufficient land availability, restrictive zoning laws, rising construction material costs, and a growing population that increases demand. Additionally, institutional investors purchasing properties, high interest rates, and policies that limit development further diminish available housing, creating a supply-and-demand imbalance.  Factors contributing to the housing shortageUnderbuilding after the 2008 recession:New home construction dropped significantly after the Great Recession, and supply has not fully recovered to meet increasing demand. Population growth:A rising population, particularly with millennials at prime home-buying age, creates greater demand for housing that outpaces the current supply. High cost of construction:Rising costs for building materials and supply chain issues, exacerbated by the pandemic, make it more expensive to build new homes. Restrictive zoning and land use policies:Local regulations, especially single-family zoning, limit where and what types of homes can be built, reducing housing supply and affordability. Institutional investors:Large investors buy housing inventory for rental or resale, removing units from the market and making them unavailable for individual buyers. High mortgage interest rates:Elevated interest rates make it harder for potential buyers to afford homes, while also causing some homeowners to delay selling their existing properties with lower-rate mortgages. Community opposition to new development:Local "Not In My Backyard" (NIMBY) attitudes often block new affordable housing developments, especially in high-opportunity areas. Barriers to building in certain areas:Some areas lack suitable land for building, have high land costs, or face other physical and economic constraints that hinder new construction. 
 

Fuelman » 15 Sep 2025, 8:31 pm » wrote: ↑

15 Sep 2025, 8:31 pm

This says there is a shortage:

shortage of houses results from a long-term decline in new home construction, insufficient land availability, restrictive zoning laws, rising construction material costs, and a growing population that increases demand. Additionally, institutional investors purchasing properties, high interest rates, and policies that limit development further diminish available housing, creating a supply-and-demand imbalance.  Factors contributing to the housing shortageUnderbuilding after the 2008 recession:New home construction dropped significantly after the Great Recession, and supply has not fully recovered to meet increasing demand. Population growth:A rising population, particularly with millennials at prime home-buying age, creates greater demand for housing that outpaces the current supply. High cost of construction:Rising costs for building materials and supply chain issues, exacerbated by the pandemic, make it more expensive to build new homes. Restrictive zoning and land use policies:Local regulations, especially single-family zoning, limit where and what types of homes can be built, reducing housing supply and affordability. Institutional investors:Large investors buy housing inventory for rental or resale, removing units from the market and making them unavailable for individual buyers. High mortgage interest rates:Elevated interest rates make it harder for potential buyers to afford homes, while also causing some homeowners to delay selling their existing properties with lower-rate mortgages. Community opposition to new development:Local "Not In My Backyard" (NIMBY) attitudes often block new affordable housing developments, especially in high-opportunity areas. Barriers to building in certain areas:Some areas lack suitable land for building, have high land costs, or face other physical and economic constraints that hinder new construction.

That was a mouthful.

The boomers are dying, and half of them have their own homes and vaction homes. The illegals are leaving. We have a housing unit for every 2.1 people - a lower percentage of people per home than any country I can find (I've checked ireland, england, and italy).

I think the big problem is how many homes are owned by corporations using them as air b and b's.

We are over-built and under-utilized. 
 

Cannonpointer » 15 Sep 2025, 8:58 pm » wrote: ↑

15 Sep 2025, 8:58 pm

That was a mouthful.

The boomers are dying, and half of them have their own homes and vaction homes. The illegals are leaving. We have a housing unit for every 2.1 people - a lower percentage of people per home than any country I can find (I've checked ireland, england, and italy).

I think the big problem is how many homes are owned by corporations using them as air b and b's.

We are over-built and under-utilized.

Kids or heirs sell those off companies like BlackRock and Hedge Funds..

Many end up as Section 8 housing this is also how many neighborhoods decay too

Starts with afew ghetto families get in start seeing the cops alot more then others sell to get out too move farther away..

Even more sinister in the thick of "Great Ressession" they boarded em up kept em vacant just to lower supply and increase prices
 

ConservativeWave » 15 Sep 2025, 7:42 pm » wrote: ↑

15 Sep 2025, 7:42 pm

Ummm,,, WHO KNOWS !  ...If the Fed drops the Interest rates by 1/2 point this Thursday, and makes it sound like this is just the beginning... Mortgage rates could drop 2-3 points pretty quickly, and THEN? ...AND THEN, the Housing market looks COMPLETELY different !

How does half a point drive 2/3 full points cut in lending rates..

Furthermore half how we got here was too much cheap easy credit flowing into assets which drives "Speculation" rather than productive investments.

Pull the Liquidity and prices start to stabilize even comeback down to somewhat more reasonable but this will also cause bank failures as people become underwater having bought at much higher prices many who will just walkaway from the house they could never afford and a feedback loop develops...

Same with the Stock Markets and Crypto if the Fed ever really knuckled down the prices would crater off a cliff so they injecting more liquidity but even the Federal Reserve and Treasury is about the end of their ropes and something will give either a Massive Recession or we finally destroy the USA Dollar for good permanently become a "Bannana Republic"
 
 
 

Cannonpointer » 15 Sep 2025, 8:58 pm » wrote: ↑

15 Sep 2025, 8:58 pm

That was a mouthful.

The boomers are dying, and half of them have their own homes and vaction homes. The illegals are leaving. We have a housing unit for every 2.1 people - a lower percentage of people per home than any country I can find (I've checked ireland, england, and italy).

I think the big problem is how many homes are owned by corporations using them as air b and b's.

We are over-built and under-utilized.

I agree investors have taken a slice of the available homes but there is still a reported shortage.
You would think if there was an over abundance of homes prices would drop sharply but that hasn't happened. I believe there are a few areas under some pressure though. Zillow shows our house down about 3% from last year.
Significant rate cuts will definitely boost the housing market.

This site has an interactive map to check out the stats on your state.
The State of Housing in America  | U.S. Chamber of Commerce https://share.google/841ZHh3lcOI8hWckL

Housing has long been a cornerstone of the American dream and a vital component of the nation’s economy. Yet, the U.S. housing market is severely strained due to a fundament imbalance between supply and demand. A severe shortage of over 4.7 million homes has created cascading economic and social challenges, from skyrocketing prices to reduced workforce mobility. 

Zillow Group, Inc. - US housing deficit grew to 4.7 million despite construction surge https://share.google/IHxkKAuGn7NyzE1aB

SEATTLE, July 9, 2025 /PRNewswire/ -- America's housing shortage grew to an all-time high of 4.7 million units, according to a new Zillow® analysis(opens in a new window) of recently released Census data. This deepening housing deficit remains the prime driver of the nation's housing affordability crisis. 
 

Fuelman » 16 Sep 2025, 9:03 am » wrote: ↑

16 Sep 2025, 9:03 am

I agree investors have taken a slice of the available homes but there is still a reported shortage.
You would think if there was an over abundance of homes prices would drop sharply but that hasn't happened. I believe there are a few areas under some pressure though. Zillow shows our house down about 3% from last year.
Significant rate cuts will definitely boost the housing market.

This site has an interactive map to check out the stats on your state.
The State of Housing in America  | U.S. Chamber of Commerce https://share.google/841ZHh3lcOI8hWckL

Housing has long been a cornerstone of the American dream and a vital component of the nation’s economy. Yet, the U.S. housing market is severely strained due to a fundament imbalance between supply and demand. A severe shortage of over 4.7 million homes has created cascading economic and social challenges, from skyrocketing prices to reduced workforce mobility. 

Zillow Group, Inc. - US housing deficit grew to 4.7 million despite construction surge https://share.google/IHxkKAuGn7NyzE1aB

SEATTLE, July 9, 2025 /PRNewswire/ -- America's housing shortage grew to an all-time high of 4.7 million units, according to a new Zillow® analysis(opens in a new window) of recently released Census data. This deepening housing deficit remains the prime driver of the nation's housing affordability crisis.

How does a country with the lowest citizen-to-housing unit ratio in the world have a shortage? And "shortage" is artificial. Is it because the have own severa homes and the have nots cannot afford homes?

If so, the issue is not a housing shortage. It just looks like one. 

Cannonpointer » 15 Sep 2025, 8:58 pm » wrote: ↑

15 Sep 2025, 8:58 pm

That was a mouthful.

The boomers are dying, and half of them have their own homes and vaction homes. The illegals are leaving. We have a housing unit for every 2.1 people - a lower percentage of people per home than any country I can find (I've checked ireland, england, and italy).

I think the big problem is how many homes are owned by corporations using them as air b and b's.

We are over-built and under-utilized.

Have to say that the illegals being removed from the housing equation will be a YUGE factor in dragging down prices 



 

nefarious101 » 16 Sep 2025, 11:13 am » wrote: ↑

16 Sep 2025, 11:13 am

Have to say that the illegals being removed from the housing equation will be a YUGE factor in dragging down prices

I believe so as well. For every 13-17 meskins deported or self-deported, a house comes open on the market. 
 
Several dumpster job-spots open up as well. 
 

Cannonpointer » 16 Sep 2025, 10:52 am » wrote: ↑

16 Sep 2025, 10:52 am

How does a country with the lowest citizen-to-housing unit ratio in the world have a shortage? And "shortage" is artificial. Is it because the have own severa homes and the have nots cannot afford homes?

If so, the issue is not a housing shortage. It just looks like one.

Maybe they should be calling it affordable housing shortage?
 

I have rental houses. Rent never goes down. Keep renting you morons.

Fuelman » 16 Sep 2025, 11:17 am » wrote: ↑

16 Sep 2025, 11:17 am

Maybe they should be calling it affordable housing shortage?

We've got that - in spades.

In saner times, a three bedroom one bath was considered a standard family home. Now ya gotta pay for three bedrooms, two living rooms, at least two baths, and a bonus room. 
 

Over regulation is a huge problem. Making the cost to build a house go up by 40%. Look at LA. A lot of good all the regulations did there. Half the city burned down.

Cannonpointer » 16 Sep 2025, 11:15 am » wrote: ↑

16 Sep 2025, 11:15 am

I believe so as well. For every 13-17 meskins deported or self-deported, a house comes open on the market. 
 
Several dumpster job-spots open up as well.

inner city dwellers will get major relief once the illegals are removed.

once criminal elements get a taste "Grandpa's Kind Of Social Justice" the inner cities will experience a rebirth

I'm looking forward to it.....got kids....want to leave them a better world and a greater American Dream than ever

what better gift can be given to the next crew than peace and prosperity