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…lick Here to Download Raising Rents? July 2015 Click Here to Download Inside the Mind of a Millennial March 2015 Click Here to Download Top Master-Planned Communities of 2014 January 2015 Click Here to Download The Impact of Student Loans on Home Buying August 2015 Click Here to Download Know Your Generations June 2014 Click Here to Download Top Amenities by Generation June 2014 Click Here to Download Buyers and Sellers in the Balance February…

Running With the Devil

…recognized so far (roughly $500 billion worldwide) have been related to subprime mortgages alone.We have yet to see the ultimate effect construction loan writedowns will have on banks, not to mention: Alt-A Credit card debt Student loans Municipal and corporate bonds Credit default swaps Commercial R.E. Click here for more data from Foresight Analytics on construction lending.   THE DEVIL WE DON’T KNOW… Today’s debate is…

Are Consumers Paying Down Debt?

…possible indicator that they are reining in their spending and getting their own personal balance sheets in order. As noted by the Federal Reserve this week, outstanding revolving (credit card) and non-revolving (auto loans, student loans, etc.) credit declined in August, resulting in the first month-over-month drop in total credit outstanding since January 1998. Consumers also pulled back on borrowing in the latter half of 1991. While the…

Home Prices Rising Slightly

John explains on Fox Business News what our team is seeing: Strength in the markets where foregin buyers are active Weakness in the entry level, where potential buyers have almost $1 trillion more in student debt than they did one decade ago Some overpriced situations such as San Francisco, where prices have risen much faster than incomes and the housing cost / income ratio is much higher than norm. Nonetheless, John is expecting prices to…

Affluent Apartment Renters Slow to Buy a Home

On an almost-daily basis, we hear the question: When will the millennial / first-time buyer emerge? While predicting the behavior of a cohort still recovering from high levels of unemployment and a record amount of student loan debt can be tricky, the response of some of the largest apartment REIT operators is an unhesitating no time soon. When your apartment lease expires, you have two choices: to renew or move out. Each quarter we track the…

The Truth about Mortgage Underwriting

…ested in the home.” Income is the problem. “The challenge is not credit based, it’s income based. Home valuations have increased at a steeper trajectory than income. Also, the new buyer pool is saddled with student loans and other debt, which has really created the (disposable) income issue. I believe credit is much more accessible than the media/public portrays (in terms of credit scores, LTV’s, etc.) My opinion will…

4 Shifts Needed to Sell More Homes

…rying 5 years later than their parents did Having children 3 years later than their parents did Struggling financially, since they entered the workforce in the worst economic downturn since the Great Depression and have more student loans than any generation before them While entry-level buyers are financially challenged, the number of people is so large and the desire to own so high that many entry-level buyers will emerge over the next decade,…