Podcasts about Housing

The 2025 New York City Charter Revision Commission just advanced five proposals to the general election ballot dealing with housing, land use, and elections. The chair of the commission, Richard Buery, and its executive director, Alec Shierenbeck, joined the show to discuss the proposals that aim to increase housing growth and voter participation, among other goals, as well as one major reform that the commission did not advance for voters to approve or disapprove. Voters will be able to vote "yes" or "no" on all five on their general election ballots this fall. (Ep 519)

Kirk changes his tune on housing as he moves towards purchasing a new home. Today we explore how homeownership is often more of an emotional choice than a smart financial investment, with many people misunderstanding the real cost compared to renting. We talk about the burden of property taxes, why paying off a mortgage early might not always make financial sense, and the social pressures around owning a home. We shift gears to a surprising discovery in credit reporting systems—a “Human Trafficking Request” option—which leads us to reflect on the serious issue of human trafficking, especially in border areas, and how complex and unexpected some financial topics can be. We also talk property taxes, economic growth, and more! Today we discuss... Buying a home isn't just about numbers—it's emotional, from nesting instincts to worrying about what neighbors think. Contrary to popular belief, owning a home often isn't a great financial investment; it's mostly a personal expense. There's a sweet spot where owning beats renting, but for expensive properties, renting often comes out cheaper. Paying off a low-interest mortgage early might feel good, but financially, investing that money elsewhere often makes more sense. You never really “own” a home because ongoing costs like taxes and maintenance keep coming. A bizarre credit bureau feature for removing human trafficking info—raises a lot of questions about what's on our reports. Trying to freeze or check credit reports online turned into a frustrating experience with errors and security concerns. A “chart crime” was discussed involving misleading silver price charts that artificially suggest massive future price spikes. Everyone, including experts, has biases, and the best investing involves independent thinking free from crowd influence. Warren Buffett's investment strategy of avoiding Wall Street noise by focusing on fundamentals is highlighted, though his recent performance is debated. The US stock market has outperformed international markets over the past two decades, with Europe's regulatory environment hindering growth. Government remains the largest job growth sector in the US, followed by healthcare, while mining, logging, and wholesale trade experience declines. The overarching advice is to think independently and critically about economic and investment data rather than relying solely on common narratives or biased sources. Silicon Valley Bank's collapse risked systemic damage due to concentrated wealth in California's tech sector and the bank's insolvency. Banks face difficulty raising liquidity quickly without selling assets at steep unrealized losses, causing stress in both banking and real estate markets. Tech giants like Apple, Microsoft, and Nvidia are performing well in earnings season, while healthcare and oil services sectors lag. Caution is advised against chasing recent market gains, with better opportunities expected in the fall after potential market pullbacks.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/kirk-changes-his-tune-on-housing-731 

A huge jump in the number of people sleeping rough and living without shelter has the Government conceding "it's clear we have a real problem". The report shows that in the eight months to May this year, Auckland has seen a 90% in people sleeping rough on the streets, in their cars or in parks. There have been significant inreases in other regions too, notably Christchurch, Wellington, Northland and Taranaki. Auckland City Missioner Helen Robinson spoke to Melissa Chan-Green.

Renting vs Buying a Home – Which Makes More Sense in 2025? Lance Roberts & Jonathan Penn, Two Dads on Money, ponder whether, with rising mortgage rates and stubbornly high rents, is it better to rent or buy right now? * What are the true costs of homeownership vs renting? * What are the hidden fees most people overlook? * What are the financial pros and cons of both options? Home ownership is often styled as the "American Dream," thanks to marketing by the National Association of Realtors (what's their vested interest??) For the unprepared, home ownership can become a nightmare. Avoid the anchoring effect in determining whether your house purchase was a gain or a loss (expenses of ownership). Housing is not unaffordable; your expectations may be, however. Before you sign that lease or lock in a mortgage, listen in!

This week, Donna and Orlando sat down with the President and CEO of the Hudson Webber Foundation, Donald Rencher to discuss the election, Detroit's housing market, public safety beyond policing, and expanding access to capital for small businesses and entrepreneurs from historically marginalized communities.Donald Rencher assumed the role of President and CEO at the Hudson Webber Foundation in February 2024. Prior to his tenure at the foundation, Rencher served as the Group Executive for Housing, Planning & Development for the City of Detroit, a role he held since January 2021. Rencher's impact on Detroit's landscape is undeniable, having held progressive leadership positions within the city for nine years. Rencher's leadership and commitment to equitable urban development make him a driving force in shaping the future of Detroit's built environment and ensuring opportunities for all its residents.To learn more about Donald Rencher and his work with the Hudson Webber Foundation, click here. FOR HOT TAKES:VOTER TURNOUT WAS UP DURING MICHIGAN'S 2024 ELECTION. FIGURING OUT EXACTLY WHY MAY BE TOUGH. IN THE PAST 50 YEARS, WE'VE LOST MORE THAN 150 MAJORITY-BLACK NEIGHBORHOODSSupport the showFollow us on Instagram, Facebook and Twitter.

Sandra Hurley, Political Reporter, discusses the latest on the National Development Plan as Coalition leaders signed off on revised details.

Conor O' Connell, Director, Housing, Planning & Development with the Irish Home Builder's Association, discusses the updated version of the National Development Plan. Paul Cunningham, Political Correspondent, reports from the Dáil.

The revised National Development Plan of 275.4 billion euro. For more on this Jack Chambers T.D. Minister for Public Expenditure, Infrastructure, Public Service Reform and Digitalisation.

In today's deep dive, Tom Bilyeu tackles one of the hottest—and most misunderstood—topics in urban life: rent control. As rents skyrocket in cities like New York and San Francisco, and an entire generation struggles under crushing debt and soaring housing costs, the call for rent control has become louder than ever. But Tom asks the hard question: does rent control actually make rents more affordable, or does it trigger a downward spiral of housing shortages, urban decay, and economic stagnation? Drawing lessons from around the world and diving into the history of rent control policies in cities like New York, Stockholm, Berlin, and San Francisco, Tom exposes the hidden costs and unintended consequences of top-down economic interventions. He argues that while rent control might sound like a lifeline for struggling renters, it often backfires—making things even worse by stifling new construction, deteriorating housing stock, and trapping communities in economic hardship. Through compelling stories and insightful analysis, Tom explores why these policies persist, the powerful forces—like NIMBYism and regulatory capture—keeping housing scarce, and how cities like Houston and Tokyo buck the trend with market-driven solutions. Packed with examples, practical takeaways, and a passionate call for economic freedom, this episode is a must-listen for anyone trying to understand the real roots of the housing crisis—and what can actually be done to fix it. SHOWNOTES 06:53 Rent Control's Impact on Housing Crisis 11:59 Rent Control's Unintended Consequences 14:07 "Emotional Economics and Policy Failures" 21:36 The Pitfalls of Populist Promises 34:11 Tianducheng: China's Paris Struggles 42:59 Free Market vs. Rent Control CHECK OUT OUR SPONSORS Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out SKIMS: Shop SKIMS Mens at https://www.skims.com/impact #skimspartner Allio Capital: Macro investing for people who want to understand the big picture. Download their app in the App Store or at Google Play, or text my name “TOM” to 511511. SleepMe: Visit https://sleep.me/impact to get your Chilipad and save 20% with code IMPACT. Try it risk-free with their 30-night sleep trial and free shipping. Jerry: Stop needlessly overpaying for car insurance - download the Jerry app or head to https://jerry.ai/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact CashApp: Download Cash App Today: https://capl.onelink.me/vFut/v6nymgjl #CashAppPod iRestore: For a limited time only, our listeners are getting a HUGE discount on the iRestore Elite when you use code IMPACT at https://irestore.com/impact WORK WITH TOM! 7-8 Figure Leadership Workshop: If you're a 7 or 8-figure founder struggling with employee under-performance and/or churn, join my live workshop on Tuesday, July 22nd at 1pm PT. ⁠⁠Register for free here⁠⁠. Zero to Launch GPT: Stop overthinking your business ideas and get clarity in 30 minutes. ⁠⁠Access my free CustomGPT trained on my proven validation framework here.⁠⁠ 7+ Figure Founders Only: Ready to abandon conventional business wisdom and think from first principles? ⁠⁠Apply to work directly with me to scale your business here. ⁠⁠ ********************************************************************** LISTEN TO IMPACT THEORY & MINDSET PLAYBOOK AD FREE + BONUS EPISODES on APPLE PODCASTS:⁠⁠ apple.co/impacttheory⁠⁠ ********************************************************************** FOLLOW TOM: Instagram:⁠⁠ https://www.instagram.com/tombilyeu/⁠⁠ Tik Tok:⁠⁠ https://www.tiktok.com/@tombilyeu?lang=en⁠⁠ Twitter:⁠⁠ https://twitter.com/tombilyeu⁠⁠ YouTube:⁠⁠ https://www.youtube.com/@TomBilyeu⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment.  The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply.  Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states.  Resources: Follow Hannah on Instagram  Show Notes: GetRichEducation.com/563 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income.    Keith Weinhold  3:29   Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now.    Keith Weinhold  10:21   Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down.    Keith Weinhold  11:23   Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace.    Keith Weinhold  16:30   And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing.    Keith Weinhold  20:29   How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional.    Keith Weinhold  22:02   I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners.   Keith Weinhold  23:51   coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it.    Keith Weinhold  24:31   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy?    Keith Weinhold  25:03   Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866   Caeli Ridge  26:13   this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream.   Keith Weinhold  26:31   Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat   Hannah Hammond  26:48   you too. It's been so great to get to know you on this ship, and it's been a lot of fun,    Keith Weinhold  26:51   and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that.   Hannah Hammond  27:19   Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt.    Keith Weinhold  27:44   That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that.   Hannah Hammond  28:03   Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up   Keith Weinhold  29:08   income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be.    Hannah Hammond  29:23   So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore.   Keith Weinhold  30:36   That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans   Hannah Hammond  31:11   Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset.    Keith Weinhold  32:26   So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here.   Hannah Hammond  32:37   exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets.   Keith Weinhold  32:56   Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you?   Hannah Hammond  33:04   I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil.    Keith Weinhold  33:04   This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that?    Hannah Hammond  33:42   At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market.    Keith Weinhold  34:27   Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you.   Keith Weinhold  34:40   Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream.   Speaker 3  35:33   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  35:56   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  37:12   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

California Governor Gavin Newsom just announced $101 million in state funding to accelerate low-income housing construction in areas impacted by recent wildfires — including Pacific Palisades, Malibu, and Altadena.

On July 17, the FDA announced that Juul Labs products are authorized in the market. However, the vape market still has very little clarity, and that was the focus of a July 18 letter from NACS and other groups to President Trump asking for action. Hosted by: Jeff Lenard About our Guest: Doug Kantor, NACS General Counsel Doug has served as legal counsel for NACS for more than 20 years, originally as a partner with the law firms Collier Shannon Scott PLLC and Steptoe & Johnson LLP. He has been NACS in-house counsel since 2021. Doug also served as special counsel and deputy chief of staff in the U.S. Department of Housing and Urban Development.

Black women in Mississippi have a 1 in 4 chance of developing postpartum depression, according to new research.Then, Alcorn State University is partnering with a casino in Natchez to house students during the fall semester.Plus, a health official shares what reductions in subsidies for the Affordable Care Act premiums could mean to rural Mississippi hospitals and the communities they serve. Hosted on Acast. See acast.com/privacy for more information.

Conor meets Transport & Climate Minister Darragh O'Brien. After 4 years in Housing, he's now across all things Transport & Climate. We talk Metro, Planning, Michael O'Leary & Dublin Airport, Buses, and the future of the Road Safety Authority. He's got plenty on his to do list. But he also has plenty of coffee on hand for his working morning in the Grand Hotel in Malahide, and he was good enough to take the time for a wide ranging chat.

We won't use that old Mark Twain quote (that he probably never wrote anyway) but fighting over water has been California's favorite pastime for at least 175 years. If you think norcal/socal baseball rivalries are bitter - try the socal vs. Delta water wars. One of the people tasked with managing that aqua drama is Jennifer Pierre, General Manager for the State Water Contractors  – a statewide, non-profit association of the public water agencies that contract with the Department of Water Resources to receive water from the State Water Project. The SWP provides water for 27 million Californians and 750,000 acres of farmland.  A UC Davis alumna with a bachelor's in environmental biology and conservation, Pierre has 20 years of experience in Delta management and uses that experience to help improve water supply and operations for the SWC. She joined us to talk about challenges of climate change, issues from overpumping groundwater, and if DC and and California can make nice on Water Policy.1:01 Capitol Weekly Insiders Survey1:58 Dominique Donette2:58 AI podcasts3:33 Top 100 Party6:04 Jennifer Pierre7:30 Water in the California Budget8:53 "Housing doesn't happen without water"9:41 Background12:53 Managing Climate Change: Hydrology13:41 Subsidence: "We've got a major problem on our hands"16:59 Status of DC vs. California water fights20:04 Playing peacemaker among different stakeholders22:43 Prop. 4 implementation26:30 #WWCAWant to support the Capitol Weekly Podcast? Make your tax deductible donation here: capitolweekly.net/donations/Capitol Weekly Podcast theme is "Pickin' My Way" by Eddie Lang"#WorstWeekCA" Beat provided by freebeats.io  

Sinn Fein is concerned that the number of properties being paid the Accommodation Recognition Payment (or ARP) Scheme is increasing. Sinn Fein's Matt Carthy says the ARP is distorting the private rental sector. Matt Carthy TD, Sinn Fein spokesperson on Justice, Home Affairs and Migration and John Lannon, CEO Doras.

We had a deep dive into the housing crisis

mike@niddrie.org (Niddrie Community Church)no

Send us a textREAL ESTATE TROUBLES.  BEWARE. Know Your NumbersHome Insurance Costs Stop Home Buying: https://www.marketwatch.com/story/home-insurance-costs-so-much-now-that-people-cant-pay-their-mortgages-another-looming-threat-could-make-things-even-worse-3e9190ae?mod=home_leadMortgage Delinquicies Are Up - Forbes Article: https://www.forbes.com/sites/jimosman/2025/07/12/mortgage-delinquencies-are-exploding-what-smart-investors-see-coming/Housing Starts Plummet To 5 yr low: https://www.marketwatch.com/story/housing-starts-plummet-to-a-five-year-low-as-buyers-stay-on-the-sidelines-9c6c3da0BUSINESS INQUIRIES: Eric@stopstrugglingnow.com❤️️Stop Struggling Now Merch. 100% Soft Bella Canvas T-Shirts,  Gildan Heavy Blend Hoodies, Hats & Yoga Pants: https://www.stopstrugglingnow.com/stopstrugglingnowmerchandise

1001 Chicagoland Housing Experts 07.19.25 by WCPT 820 Weekend

Today we're sharing an episode from American Optimist featuring Marc Andreessen in conversation with Joe Lonsdale, recorded live at the inaugural Ronald Reagan Economic Forum.They explore one of the most urgent and complex questions of our time: Can AI and robotics catalyze a new era of American industrial strength—and how do we ensure the entire country, including rural communities, shares in the upside?Marc walks through the history of U.S. industrialization, the lessons of tariffs and trade from leaders like McKinley, and how America's shift to a services-based economy helped fuel our current urban-rural divide. The conversation spans immigration policy, housing, education, energy, and the path to a true AI-powered manufacturing revival—touching on what needs to change and how.This episode is a must-listen for anyone thinking about the future of American productivity, growth, and leadership in the age of AI. Resources:  Find Marc on X: https://x.com/pmarcaFollow Joe on X: https://x.com/jtlonsdaleYou can find his writings here: https://blog.joelonsdale.com/ Stay Updated: Let us know what you think: https://ratethispodcast.com/a16zFind a16z on Twitter: https://twitter.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zSubscribe on your favorite podcast app: https://a16z.simplecast.com/Follow our host: https://twitter.com/stephsmithioPlease note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures.

Once the Housing and Urban Development Secretary under President Obama, Shaun Donovan now runs a nonprofit devoted to increasing housing supply and advancing equity. In a conversation about America's housing affordability crisis, Sec. Donovan explains how the Low-Income Housing Tax Credit in President Trump's spending bill incentivizes private investment. House Speaker Mike Johnson (R-LA) touts his wins in the spending bill and shares his perspective on monetary policy. Speaker Johnson also weighs in on the Epstein files, saying he and the President believe in transparency. Plus, Netflix reported a strong second quarter, top Federal Reserve official Christopher Waller is calling for a rate cut this month, and The Late Show will end, come next May.  Shaun Donovan - 13:46Speaker Mike Johnson - 20:27 In this episode: Mike Johnson, @SpeakerJohnsonMelissa Lee, @MelissaLeeCNBCJoe Kernen, @JoeSquawkZach Vallese, @zachvallese

Design Build Architects Creating Housing Where Communities ThriveIn this episode of the EntreArchitect Podcast, architect and general contractor Zach Sunderland shares how his dual expertise fuels the mission behind Haven, a certified B Corp based in Durham, North Carolina. Haven is working to solve the affordable housing crisis by creating high-quality, community-centered developments for underserved populations. Zach unpacks the challenges and opportunities within design-build delivery and how Haven integrates vision, construction, and social impact.Zach also dives into what it means to lead with purpose, from building a strong internal culture to embedding community collaboration into every phase of development. As both a leader and practitioner, he discusses how Haven is redefining what it means to be an architect-led design-build firm, balancing business operations with long-term impact. His ambitious goal? To house one million people over the next 100 years.Listeners will hear valuable insights on B Corp certification, community-focused entrepreneurship, and the power of aligning values with practice. Zach's story is a reminder that housing can be more than shelter, it can be a foundation for flourishing communities.This week at EntreArchitect Podcast, Design Build Architects Creating Housing Where Communities Thrive with Zach Sunderland.Learn more about Zach online at Haven, or connect with him on Instagram, Facebook, X, and LinkedIn.Please Visit Our Platform SponsorsArcatemy is Arcat's Continuing Education Program. Listen to Arcat's Detailed podcast and earn HSW credits. As a trusted provider, Arcat ensures you earn AIA CE credits while advancing your expertise and career in architecture. Learn more at Arcat.com/continuing-education.Visit our Platform Sponsors today and thank them for supporting YOU... The EntreArchitect Community of small firm architects.Mentioned in this episode:All AccessAll Access

On this episode of Infill, YIMBY Action's Marketing Manager Mariah Redfern sits down with artist, activist, and educator Mark Harris to explore the history of redevelopment in San Francisco's Fillmore District and how systemic displacement continues to impact Black communities today. Mark shares his personal journey from corporate life to art and activism, and how his work with the Anti-Eviction Mapping Project uncovered the erasure of what was once the “Harlem of the West.” Together, they unpack the legacy of urban renewal, zoning as a tool of modern segregation, and the need to diversify the pro-housing movement. Tune in to hear a deep dive into how history shapes the present—and why building a future of abundant housing requires as many voices, especially different kinds of voices, as possible. Check out Mark's work with the AEMP: https://antievictionmap.com/dislocationblack-exodusFind more of Mark's work: https://www.artofmarkharris.com/Learn more about YIMBY Action: https://yimbyaction.org/join/Follow YIMBY Action on Instagram: https://www.instagram.com/yimbyaction/Follow YIMBY Action on BlueSky: https://bsky.app/profile/yimbyaction.bsky.socialFollow YIMBY Action on Facebook: https://www.facebook.com/yimbyaction/

The Complex Nature of Change…  Discover 4 powerful phrases that can change your life. Learn how to shift your mindset, reduce fear, and gain clarity, confidence, and focus. Includes a free worksheet to help you reset and refocus in minutes. Free Worksheet: Download here Could a Dog be your answer to going more place? Free book answers 99% of quesitons, to fly with your dog, be in Housing with no fees or restrictions and access public places under ADA law. Training from Joanne S. Williams, LCSW. A 30-second free guide to see if you qualify at ServiceDogPro.com!   

Netflix exceeded earnings expectations late Thursday after major indexes posted fresh all-time highs. Housing starts and consumer sentiment data approach. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.Investing involves risk, including loss of principal.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.(0131-0725)

The host of “Home' on KFI the House Whisperer Dean Sharp joins the show to discuss midsummer fire season prep.

The Herle Burly was created by Air Quotes Media with support from our presenting sponsor TELUS, as well as CN Rail.Greetings, you curiouser and curiouser Herle Burly-ites! We'll get right to it, because we've a Member of Parliament today on the pod, and an issue that's not only central in the public consciousness, but urgent in terms of policy making, playing an outsized role in our last election: Scott Aitchison, Conservative critic for Housing. Scott is from Huntsville, Ontario, and opened up on the pod about leaving home at 15 and his journey into public life at the age of 21.And then, a deep conversation on what matters to so many Canadians. The housing crisis. A place to call home. Affordability. Policy to help them get there. But we'll also broaden the aperture and talk party politics, the election just past and get Scott's take on the early moves of the Carney government.Thank you for joining us on #TheHerleBurly podcast. Please take a moment to give us a rating and review on iTunes, Spotify, Stitcher, Google Podcasts or your favourite podcast app.Watch episodes of The Herle Burly via Air Quotes Media on YouTube.

For most of us winter has brought with it a lot of rain, and that makes drying washing challenging, and more than often expensive. Fortunately, The Housekeeper's Rachael Quinn is here to help.

Inside INdiana Business Radio for the morning of July 18, 2025. Pike County releases a housing study calling for hundreds of new units to support economic growth. Riley Children's Foundation appoints Courtney Roberts as its new CEO. Also: IU Health tops out its $421 million Fort Wayne hospital, Indiana reviews emergency alert systems, a Terre Haute community center faces closure, and six Hoosier credit unions land on Forbes' best-in-state list. Get the latest business news from throughout the state at InsideINdianaBusiness.com.

FTC targets “gender affirming care,” California seeks to increase housing, and a conversation with a Christian biologist. Plus, joyful road noise, Cal Thomas on Harvard University, and the Thursday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Nicea Conference, a once-in-a-lifetime gathering to honor our one Lord, remember our one faith, and proclaim our one gospel. niceaconference.com

Is it permissible according to Halacha to establish communal guidelines or enactments that restrict the sale or purchase of homes within a defined radius of the community? May a Jew purchase property in a predominantly Jewish neighborhood with the intent to rent it out to non-Jews? Does it matter what type of tenants are placed in the property—for example, individuals of questionable character, multiple families, or undocumented immigrants? If such tenants are likely to negatively impact the spiritual atmosphere of the neighborhood, is that a legitimate halachic concern that should be weighed? Can one invoke the principle of kim li in a way that causes harm to others—for instance, to justify behavior that may otherwise be morally questionable? with Rabbi Shlomo Perlstein – Rav in the Summit Park shul ,Rosh Kollel of the Choshen Mishpat Kollel of Monsey, as the Rosh Chabura for the Kollel in Yeshiva Or Yisroel (Monsey), Moreh Horaah for the Kav Halacha in Yerushalayim – 11:53 with Rabbi Elie Moskowitz – Neighbor – 35:45 with Rabbi Zalman Graus – Renowned Dayan, and Mechaber Seforim – 49:31 מראי מקומות   

With mortgage rates hovering near 7% and the median home price topping $420,000, homeownership is increasingly out of reach for Gen Z and millennials—pushing demand for rentals to new highs. In this episode, we break down why first-time homebuyers have hit historic lows, how homebuilders are subsidizing interest rates to move inventory, and why seniors are turning to rentals in record numbers. From affordability challenges to demographic shifts, landlords are emerging as clear winners in today's market. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode of Zen and the Art of Real Estate Investing, Jonathan speaks with architect and multifamily syndicator Mark Shuler of SGRE Investments about how government regulation continues to hamper housing development across the country. With over 40 years of experience in architecture, urban infill, and multifamily project management, Mark brings a unique dual perspective that blends design expertise with investment strategy. Mark outlines the real-world consequences of permitting delays, inconsistent local regulations, and overreaching planning departments. From Seattle's 16-month permit timelines to the thousands of dollars in pre-construction fees and reports required, Mark argues that many jurisdictions have made building housing a process only the wealthy can afford. He explains how regulations originally intended to promote equity and safety have often been weaponized by neighborhood groups and local politicians to block development altogether. The conversation also touches on Mark's early passion for architecture, his transition into real estate investing, and the lessons he has learned from both fields. He discusses what separates smart flippers and operators from amateurs, and how investor capital is best deployed in value-add multifamily projects, especially in markets like Houston, where his firm now manages over 5,000 units. Mark's take is clear: meaningful housing reform starts with streamlining regulation, not adding more layers. For real estate professionals, investors, and policymakers alike, this episode provides a frank look at what's stalling housing production and how experienced operators can still build successfully in today's environment. In this episode, you will hear: How excessive permitting timelines stall development The role of urban planners and their disconnect from real-world construction What developers face in highly regulated markets like Seattle Lessons from Mark's pivot into real estate investing Common missteps flippers make with permitting and renovation The economics behind value-add multifamily projects How SGRE Investments creates scale and efficiency in competitive markets Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Supporting Resources: SGRE Investments website - sgreinvestments.com SGRE Investments on YouTube - www.youtube.com/@SGRE_Investments SGRE on Facebook - www.facebook.com/sgreinvestments Mark Shuler's Instagram - www.instagram.com/markshul1 Connect with Mark on LinkedIn - www.linkedin.com/in/shulerarchitecture Shuler Architecture website - www.shulerarchitecture.com Website - www.streamlined.properties YouTube - www.youtube.com/c/JonathanGreeneRE/videos Instagram - www.instagram.com/trustgreene Instagram - www.instagram.com/streamlinedproperties TikTok - www.tiktok.com/@trustgreene Zillow - www.zillow.com/profile/StreamlinedReal Bigger Pockets - www.biggerpockets.com/users/TrustGreene Facebook - www.facebook.com/streamlinedproperties Email - info@streamlined.properties Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

Final hour on this Thursday afternoon - we dive into the DeRush Hour Lead with Andy Babula with St.Thomas joining to talk about expensive housing hitting $400K for the first time, that - the Twins new patch, and much more to follow with DeRush Hour News Headlines! Then we react to probably the worst way to get caught in an affair - a Coldplay concert! Finally, lets lighten up on taking every comedian so seriously!

Send us a textDavid Smith, Economics Editor at the Sunday Times, Award-winning journalist and Author with Anna Clare Harper.In Anna's words:The housing crisis isn't just about supply. It's about who owns what – and who pays for it.In this episode, I spoke to David Smith, Economics Editor of the Sunday Times since 1989 – and a role model who first got me (and many others) interested in economics as a teenager.We covered:●     Why 68% of property wealth is held by over-55s  → creating intergenerational unfairness and a sticky housing market●     What a reformed property tax system could look like  → and why politicians are too scared to go there●     Why the loss of Buy-to-Let as a ‘starter business' model is especially bad for women  → and how we can boost financial confidence and investment by closing the gender gapHow to invest wisely at different levels  → £100k? Play it safe. £1bn? Back future infrastructure: data, energy, AI. Guest website: https://economicsuk.com/Guest LinkedIn: https://www.linkedin.com/in/david-smith-71730325/Host LinkedIn: https://www.linkedin.com/in/annaclareharper/Host website: https://www.greenresi.com/

Claire McManus, RIAI Spokeswoman on Housing and an architect working at the coalface with JFOC Architects

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3214: Wanderer challenges the conventional wisdom of using debt to invest, especially when buying a home. Drawing on lessons from the 2008 financial crisis, he argues that paying cash for a modest house can safeguard your portfolio, protect you from forced asset sales during downturns, and help avoid overextending on housing costs. Read along with the original article(s) here: https://www.millennial-revolution.com/invest/workshop-invest/investment-workshop-39-investing-debt/ Quotes to ponder: "Home equity is dead money. And it will remain dead money that you can't access until you sell the damned house." "When financial companies run into trouble, it's entirely in their right to call whatever debt they have and force you to pay it off immediately." "That's why I'd pay with cash. It avoids debt which would force you to sell your portfolio at a loss if a crisis happens, and it keeps you from buying too much house." Episode references: Root of Good: https://rootofgood.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Moody's Analytics Mark Zandi and Cris deRitis are joined by Ira Goldstein from The Reinvestment Fund, Maggie McCullough from PolicyMap, and Jim Parrott from the Urban Institute to discuss their new study that takes a deep dive into understanding the nature of the decade-long housing shortfall. This housing crisis has driven up house prices and rents, and undermined housing affordability. But despite the heightened political attention on the problem, there remains confusion over its true scale and scope. This team of self-avowed housers dissect the shortage down to the census tract and come to some surprising conclusions.To learn more and access the full research paper: https://www.economy.com/bringing-the-housing-shortage-into-sharper-focusGuest: Ira Goldstein, Senior Advisor at The Reinvestment FundGuest: Maggie McCullough, CEO and Founder of PolicyMapGuest: Jim Parrott, Nonresident Fellow at the Urban InstituteHosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View.

Episode Summary: Every year, more than two million low-income households receive rental assistance through the Housing Choice Voucher program, a federal program that helps renters afford housing on the private market. Currently, only about one-quarter of those eligible for vouchers receive them due to lack of program funding, though Democrats and the Biden administration have proposed expanding it. For our first episode of 2022, Rob Collinson of the University of Notre Dame joins us to talk about how we can get more bang for our buck from housing vouchers, the benefits and drawbacks of the program's design, and how his research has already helped shape voucher policy reforms in metro areas across the U.S.

After Andrew Cuomo announced he's running for mayor as an independent candidate, the former governor spoke with NY1's Errol Louis about what went wrong with his Democratic primary campaign while also heavily criticizing the man who beat him, Zohran Mamdani. Cuomo also reflected on past initiatives during his tenure as HUD secretary under Bill Clinton, emphasizing the cultural impact of home ownership and the challenges of affordable housing in New York City. He advocated for massive construction efforts, city control of the subways and ways to tackle homelessness.

Sometimes bigger isn't always better, especially when it comes to buying your first home! As home builders continue to go big across metro Atlanta, many home shoppers feel overwhelmed by the larger homes and rising prices. Jim Cheeks, president of Fortas Homes, joins Host Carol Morgan on the Atlanta Real Estate Forum Radio podcast to discuss how Fortas Homes is navigating the affordable housing crisis by “going back to what was” and building smaller homes priced under $300,000. Smaller Home, Affordable Price Tag Cheeks believes that building smaller homes in denser communities is the secret to affordable housing. The “American dream” idea of a three-bedroom, two-and-a-half-bathroom home suits some homebuyers but remains unaffordable for others. Cheeks said, “By prioritizing compact, well-designed homes, we're creating real opportunities for home ownership in neighborhoods where prices might otherwise be out of reach.” What does that look like for Atlanta homebuyers? One of Fortas Homes' most recent developments features 320-square-foot homes with second-level lofts. With this design, the builder fits four units on a single lot in Atlanta, offering cozy residences that young homebuyers looking for a starter home or older individuals seeking a fresh start after major life changes. Understanding ADUs This year, Cheeks says that Fortas Homes plans to build 104 accessory dwelling units (ADUs), which offer additional living space outside of the primary home. Some homeowners rent out their ADUs, while others utilize the extra space for multigenerational living. Fortas Homes operates as a fee builder for nonprofits, while also building spec homes in the build-to-rent (BTR) sector. Due to local legislation, it can only increase unit counts in communities if they're BTR products. He explains that, by working with the local code and building regulations, Fortas Homes delivers a variety of housing typologies to different neighborhoods. “If the city changes the zoning and allows for ADUs or guest houses to be sold in the future, then we're going to be well-positioned to sell those houses,” said Cheeks. “Even if we sell them at market rates, they're still going to be more affordable than whatever the market rate is in that particular neighborhood.” Partnership with Atlanta Neighborhood Development Cheeks credits Atlanta Neighborhood Development Partnership, Inc., with growing the Fortas Homes portfolio. Known for its success in multifamily housing, the organization approached Cheeks about its venture into the single-family home sector. One of the partnership's first projects, a 12-foot-wide-by-36-foot-long home, attracted the attention of then-Commissioner of Housing, Terri Lee, during development. At its completion, Lee requested that the Mayor's Sub-Cabinet for affordable housing meet in the home, including representatives from the Atlanta Beltline, city officials and other important figures. Cheeks said, “Land cost has really gone up, so that's why we've now focused as much as possible on how to get the maximum amount of density on a single lot.” Designing for Affordable Homes Cheeks describes how small changes, such as an entrance on the side of the home, maximize space in smaller homes. That one change provides four access points from one hallway, including the main entrance, foyer, landing for the stairs and an entrance to the powder room. Another unique aspect of these homes is closet design. Fortas Homes places closets over stairwells to meet head height code requirements and add an additional 20 square feet for homeowners. Tune in to the full episode to discover more about how smaller homes soothe the affordable housing crisis in Atlanta. For more information about Fortas Homes, visit www.Fortas.Homes. About Fortas Homes Based in Atlanta, Fortas Homes is a premier homebuilder and developer known for its high-quality single-family, detached and attached homes in the city.

Programs providing housing for veterans who are homeless in Green Bay and Chippewa Falls are closing this fall because of funding shortfalls. Some Environmental Protection Agency workers in Wisconsin and Minnesota are among a group of federal employees placed on leave for signing a letter criticizing the Trump administration. And, firefly sightings are up.

Now that President Trump has signed his “Big Beautiful Bill” into law, Congress will shift focus to next year's budget. Congress is considering some initial budget proposals this week. Trump's original budget request to Congress back in May outlined a 44 percent cut to the U.S. Department of Housing and Urban Development, which oversees federal rental assistance programs and Section 8, or Housing Choice, vouchers.Dominic Mitchell is the executive deputy director of the Minneapolis Public Housing Authority and joins MPR News host Nina Moini to explain how the proposed cuts would impact his agency as well as renters who use the programs.

Chicagoland Housing Experts 07.12.25 by WCPT 820 Weekend

Here's a hack for TV lovers who find themselves with too many streaming subscriptions. A Brittany Spears check-in. There's a new app for Disney adults by Disney adults. Housing is incredibly expensive - would you consider a micro-studio to avoid a commute?

You've probably seen the headlines:“Home flipping profits plummeting”“Mortgage rates spike again”“Homes taking longer to sell in 39 of 50 metros”Headlines like these will make you think the world is on fire.But let's take a step back…Here's my mid-year market update.(And it's not what everyone is saying.)If the data tells us anything, it's this… 2025 is a skills market.Amateur investors are getting wiped out.But the people in our community?They're doubling down on skill, strategy, and systems.Want to make better decisions in every market cycle?Let's chat about your goals, deals, and how to win right now.This conversation is catered to you and your business with the help of people who are actually actively investing.CLICK HERE to Book an Implementation Call with an Expert >>Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://hubs.ly/Q01ggDLL0 7 Figure Real Estate Ready RoomUse this proven blueprint to launch and grow your real estate investing business. Step-by-step video course takes you through everything you need to know… and we'll jump on WEEKLY workshops to break down each step with you LIVE! Think of it like getting a master's degree in tactical real estate investing for a fraction of the cost. CLICK HERE: https://7figureflipping.com/ready Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

In this Topical Tuesday episode, I spoke with Sam Morris who is a Partner at Lone Star Capital, where he oversees acquisitions, asset management, and investor relations. Be sure to tune in if you're interested in learning about: The HB 21 legislation and how it affects tax abatement strategies in Texas multifamily deals The difference between in-jurisdiction and out-of-jurisdiction HFCs, and why the “traveling HFC” model is under fire Key investor concerns like the new rent reduction test and the lack of a grandfather clause The potential legal and financial ripple effects of the law—including lender lawsuits and risk to affordable housing supply To your success, Tyler Lyons Resources mentioned in the episode: Sam Morris Website Email Interested in learning how to take your capital raising game to the next level? Meet us at Capital Raiser's Edge. Learn more here: https://raisingcapital.com/cre

West Coast “leaders” continue to lie about what's driving street-level despair in their cities. Why? Follow the money. Governor Ferguson claims Washington state doesn't have enough money to pay for basic services. Let's check the receipts. Governor Newsom can't answer the simplest question about radical gender ideology. Gay baby books hit Barnes & Noble.