A 50-year mortgage isn't a solution. It’s a trap for the middle class. Lowering the monthly payment just fuels inflation as buyers bid more for the same limited housing inventory, driving home prices higher. We don't need creative debt. We need a massive supply shock. Here is

A 50-year mortgage isn't a solution. It’s a trap for the middle class. Lowering the monthly payment just fuels inflation as buyers bid more for the same limited housing inventory, driving home prices higher. We don't need creative debt. We need a massive supply shock. Here is

If you found value in this breakdown or agree that we need a supply-side revolution, please help spread the word. A Like, Comment, or Repost goes a long way in getting these ideas in front of the people who need to hear them. Jump back to the first post here 👇

If we want to save our vibrant capitalist system, we have to lower the bar for young people to get an "equity stake" in it. The median age of a first-time homebuyer has hit 40 years old. In the 80s, it was 29. When young people can't buy in, they feel the system is rigged. They

7. Infrastructure Expansion: Tie housing to transit. Build high speed commuter rail into rural areas to make cheap land viable for commuting, instantly expanding the map of where people can live. 8. Defund Obstruction: Withhold federal funding from local governments that refuse

4. Industrialize Construction: Immediate 100% write-offs for investment in "Housing Gigafactories", modular and 3D-printing tech that can build quality homes 50% faster than traditional framing. 5. The "Fast-Pass" Catalog: A federal library of pre-approved home blueprints. If a

1. Tax-Free Profits for Affordability: $0 federal tax on earnings from SF homes sold to first-time buyers below a set price-to-income threshold. 2. The "New Homestead Act": Auction off non-critical federal land (scrub land, non-park lands, etc) near metro areas for pennies on

The Solution: Incentivize the entire supply chain to build 8+ million Single Family homes (actual houses on 0.25+ acre lots, not condos). These must be for families, not investors, private equity portfolios, or 2nd/3rd homes. Outlaw investor and corporate purchases of these

Interesting that @profplum99 calculates the poverty rate at $140k/year, and the average first-time home buyer needs $130k/year to qualify for a mortgage Coincidence?

Brilliant article by @profplum99 - I don’t think this could have been articulated anyway possibly better. https://t.co/UpG6MwvmiM

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The U.S. housing shortage is over. Over the last four years, housing inventory has doubled from its pandemic lows. And is now only 9% lower than the same month in 2019. This is great news for buyers, and increases the likelihood of declining prices. However - there's big

Morgan Stanley’s chief U.S. equity strategist Mike Wilson, and team, raise their 12-month target for the S&P 500 to 7,800 from 7,200 previously, around 16% from current levels, making Wilson (who came in second behind Michael Kantrowitz at Piper Sandler in this year's voting for

The median age of a U.S. homebuyer is now 59, per Apollo

Americans over 50 largely view the economy as “fairly good," per Civiqs. In contrast, most Americans between 18 and 49 say the economy is “fairly bad” or “very bad.”

China has more ability to grow power supply for AI We need to build nuclear in USA and grow gas https://t.co/dfEksqLkct