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The Barbell Is Crushing the Supply of Affordable Homes

…groups represent the barbell of demand we keep talking about. . Young family and move-down buyers actually have a lot in common: they typically don’t want (or need) large homes and are price conscious. Whether strapped with student debt or living on a fixed income, these buyers often opt for smaller, more affordable homes in a desirable location (close to employment and/or grandkids, good schools, etc.). As supply in the resale market continues…

Infographics

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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…

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…

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…

New Home Construction Is Gearing Up for a 15-Year Boom. Who’s Ready?

…today, shown by decade born below. Those born between 1989 and 1994, who are currently 21–26 years old, are the largest 5-year cohort out there. Yes, their struggles to gain full-time employment at a fair wage and to pay off student debt have been well documented. What has not been sufficiently documented is that the majority of them will still leave the nest, marry, have children, and need a place to live. There are some very exciting industry…

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…

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…

5 Haunting Housing Charts

…ts for ~20% of home builder construction costs. . 4. Hair-raising stock market behavior, with margin debt at an all-time high. Investors buy stocks on margin by borrowing against their portfolio, without having to cover the entire cost up front. Luxury and vacation home demand is particularly correlated to stock market trends. . 5. Alarming jump in cost of higher education, which saddles young adults with student debt that continues to delay…