Podcasts about Housing Act

Realberry looks at 100 deals to close 2 or 3. That funnel discipline is at the core of Realberry’s multifamily strategy. It’s also how a $3.4 billion firm has stayed sharp through a housing recession most Colorado investors are still living through. Taylor Hazlett, Senior Director of Private Capital, joins Chris Lopez to walk through the firm’s process. Together, they cover how Realberry filters opportunities, underwrites in today’s market, and finds the rare deal worth chasing. Chris hosts the Denver Real Estate Investing Podcast for Colorado investors who want more than surface-level takes. Before moving to the capital side, Taylor spent 7 years at Realberry. He started as a civil engineer at Clemson and later built a couple thousand lots at Century Communities. Today, his team has built close to 400 BTR units through a joint venture with American Housing Ventures out of Texas. He now also helps lead fundraising for the firm’s private capital efforts. From the capital seat, he sees exactly how the firm’s deal discipline plays out. The conversation covers why Realberry walks away from bidding wars. It also covers how the team underwrites base, downside, and upside scenarios, and why discipline matters more in a soft market than in a strong one. The read on Colorado then starts with a hard truth for developers. Existing multifamily is trading at roughly 20 to 30% below what it would cost to build new. For example, a building you could buy for $300,000 per unit costs $400,000 per unit to build from scratch. As a result, capital is walking away from ground-up projects and chasing acquisitions instead. Water tap fees running $30,000 to $50,000 per unit and impact fees adding another $15,000 per home in some municipalities are only widening the gap. The recent 60-unit Castle Rock townhome acquisition is a case in point. It’s a mark-to-market opportunity that fit the buy box precisely because building new did not pencil. Taylor also points to early signs of recovery. Rent concessions on a Realberry-operated Broomfield townhome community dropped from 8 weeks free to 2 weeks in just 3 months. Meanwhile, insurance carriers are sharpening pencils, and construction costs have stayed flat for 3 to 4 years. Taken together, these signals suggest the market is starting to firm, even if rents have not caught up yet. In This Episode We Cover: Inside Realberry’s multifamily deal funnel and the Monday investment committee Why Colorado has fewer than 40 active BTR deals while Texas has hundreds The $2.40 to $2.45 per square foot rent threshold for suburban multifamily to pencil Why rent concessions dropped from 8 weeks to 2 weeks on a Broomfield townhome deal in 3 months How the firm underwrites with base, downside, and upside scenarios to survive market swings The Castle Rock 60-unit mark-to-market deal and why it fit the buy box What the 21st Century Road to Housing Act could mean for BTR investors Stay tuned for upcoming episodes featuring Realberry’s leadership team and behind-the-scenes property walks through some of Denver’s most recognizable developments. Watch the Youtube Video Timestamps 00:00 Introduction01:13 Realberry background and $3.5B AUM02:13 Taylor’s path into real estate05:06 Building 400 BTR units with American Housing Ventures06:25 Why Colorado has so few build-to-rent deals08:07 Water tap fees and impact fees10:02 The 100 to 2 deal funnel13:17 Inside the Realberry investment committee20:07 Where deal flow comes from23:12 How Realberry underwrites in today’s market35:22 Concessions burning off in Broomfield37:20 Construction costs, insurance, and tax appeals40:07 The Castle Rock mark-to-market deal44:51 Class A vs Class C dynamics47:43 Colorado water rights50:17 The federal housing bill and BTR Links in Podcast Realberry Website: https://www.realberry.com Portfolio: https://www.realberry.com/portfolio LinkedIn: https://www.linkedin.com/company/realberryinvest Instagram: https://www.instagram.com/realberryinvest Investor inquiries: ir@realberry.com Taylor Hazlett LinkedIn: https://www.linkedin.com/in/taylor-hazlett-6a62a725 Who is Realberry? Realberry, formerly McWhinney, is a Denver-based real estate investment, development, and management firm founded in 1991 by brothers Chad and Troy McWhinney. For nearly 35 years, the firm has focused on creating places people love, with a portfolio spanning master-planned communities, multifamily, hospitality, industrial, and mixed-use developments. Its work includes Denver Union Station, Dairy Block, the Crawford Hotel, and Centerra, and has earned ULI Awards of Excellence, Michelin Keys, and U.S. News Best Hotels recognition. Realberry is family-founded, community-centered, and future-focused.

Rob Whiting is the co-founder and CEO of Boom, a proptech company building the future of rental financial services for residential property managers across single-family rental, manufactured housing and multifamily. Boom's three products — Boom Report for rent reporting, Boom Screen for applicant underwriting, and Boom CRM for agentic leasing and self-showing — serve hundreds of thousands of doors and count American Homes 4 Rent and Manage America among their key partners. Before Boom, Rob founded ventures in healthcare and education, including Haystack Health, a telemedicine company, and a financial aid organization focused on FAFSA access. Rob is based in Austin, Texas.(02:55) Why Rob built Boom(05:44) The ROAD to Housing Act, explained(07:11) The 350-home cap & how institutions keep buying(14:01) Rent reporting as a compliance path(16:09) What Boom does & who it serves(17:44) Is screening a commodity? Data quality & hit logic(21:51) How to evaluate a tenant screening vendor(25:47) How the ManageAmerica partnership came together(30:00) Lessons from partnering with AMH Homes(32:48) Closing the leasing stack gap with Boom CRM(35:52) Coexisting with Yardi, RealPage, & AppFolio(37:40) Collaboration Superpower: Daniel Ek

The Homeowner Show kicks off with a lighthearted, albeit slightly gross, discussion about an infestation of flies and a spider web in their studio, a stark contrast to the more serious topics that follow. This initial banter quickly transitions to personal anecdotes about home maintenance and repairs. One host shares his experience fixing an electric golf cart charger by replacing a blown circuit board for a mere $25, highlighting the cost savings and satisfaction derived from DIY repairs, especially when guided by online tutorials. The conversation then shifts to a similar repair experienced by the other host, who fixed a problematic mini-split drain line for the studio. He details how he bypassed an expensive quote by sourcing the parts himself for $25 and completing the repair in about 20 minutes, emphasizing the accessibility of information and parts for common home issues. This leads to a broader discussion about the empowerment of homeowners to tackle repairs themselves, potentially saving money and gaining valuable skills. A significant portion of the discussion delves into the contentious issue of housing affordability and the impact of large institutional investors. A new piece of legislation, the "21st Century Road to Housing Act," is analyzed, which aims to limit the number of single-family homes that large institutional investors can own. While the hosts acknowledge the intent behind the act, they express skepticism about its effectiveness, pointing out loopholes like the ability to create multiple corporations and the exemption for multi-family dwellings, suggesting it may be a superficial fix rather than a solution to the core problems of inflation and interest rates. The episode touches upon various other topics, including a humorous take on a WNBA situation involving an NBA player's controversial "no" vote and a subsequent "white privilege" claim, as well as personal experiences with insect stings and spider bites. The conversation concludes with a return to the theme of housing affordability, with the hosts reiterating that while homes may be expensive, creative solutions and a willingness to compromise on location or size can still make homeownership achievable for many, especially when compared to the drawbacks of apartment living. They also briefly discuss the tax incentives available to business owners, emphasizing that responsible financial planning can mitigate tax burdens. Buy a Homeowners Show T-Shirt! Subscribe to our YouTube Channel The Homeowners Show Website The Homeowners Show Facebook Page Instagram @homeownersshow Twitter @HomeownersThe Info@homeownersshow.com Sustained Growth Solutions – Design a lead generation system specifically for your business so that you never have to search for leads again! We are a full digital marketing agency. Termisave Email – Warranty your home against the threat of termites.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Apartment rents grew 1.5% over the past 90 days, the fastest pace since late 2022. RealPage Chief Economist Carl Whitaker joins Michael Bull, CCIM, to break down where the multifamily market stands at mid-year 2026. Carl walks through second quarter actuals and third quarter forecasts, and explains why the national average matters less than it ever has. Class A properties are posting growth rates on par with 2018 and 2019, Class B is finding its footing, and Class C has been left behind by a K-shaped economy. In Raleigh, Class C rents have now declined for 15 straight quarters. The conversation covers the supply pullback versus resilient demand, how the 21st Century ROAD to Housing Act paused the build to rent pipeline and why new market rate starts are already returning in markets like Raleigh Durham, and why build to rent complements conventional apartments instead of competing with them. Michael and Carl also dig into submarket dispersion, with Midtown, Buckhead, and Northeast Atlanta Class A rents up 2% to 3% year over year while the Atlanta metro average shows rents down 1.5% to 2%. They cover the cost side of the business, where taxes and insurance are finally cooling while marketing costs climb, and the effect of AI on rents and underwriting, with median rent to income now at its lowest level since 2020. Carl closes on the barbell shape of today's investment sales market and where he sees opportunity in second tier Southeast markets including Greenville Spartanburg, western North Carolina, and Chattanooga. Connect with Carl Whitaker: https://www.linkedin.com/in/carlwhitaker15/ RealPage Website: https://www.realpage.com Connect with Michael Bull & The Show: Michael Bull, CCIM Bull Realty, Inc https://www.linkedin.com/in/michaelbull/   Read More Here: https://www.bullrealty.com/intel/blog-posts/view/the-return-of-rent-growth-why-the-multifamily-recovery-is-splitting-by-class-and-submarket For more commercial real estate market data, sector forecasts, and video episodes, visit CREshow.com. America's Commercial Real Estate Show is brought to you by our proud sponsors. TCN Worldwide: Commercial real estate property management, leasing, and sales solutions across the US and globally. Learn more: https://www.tcnworldwide.com Build Out: The ultimate product suite for commercial real estate brokerage firms looking to streamline their business. Learn more: https://www.buildout.com Bull Realty: Regional commercial real estate brokerage services headquartered in Atlanta, delivering market intel and strategies. Learn more: https://www.bullrealty.com Commercial Agent Success Strategies: Twenty-one cloud accessed commercial broker training videos with slide deck action notes. Learn more at https://www.commercialagentsuccess.com/ #Multifamily #MultifamilyInvesting #ApartmentInvesting #CommercialRealEstate #RentGrowth #BuildToRent #RealEstateInvesting #ApartmentMarket #CapRates #RealPage #CREShow #MichaelBull

This Episode Ryan and Steven Watts of Red River Development join Chris to break down the build-to-rent market, why Red River focuses on secondary markets, and how recent housing legislation could reshape the future of single-family rental investing. Ryan and Steven share how their backgrounds in energy, banking, construction, development, and property management led them to launch Red River in 2020, right as COVID was reshaping housing demand and capital markets. Since then, the company has grown to more than 2,200 units and roughly $690 million in assets under management, with a focus on purpose-built rental communities designed for renters who want more space, privacy, and flexibility than traditional apartments can offer. The conversation also digs into the 21st Century ROAD to Housing Act and why early Senate language could have been highly disruptive to the build-to-rent industry. Steven explains why the final version was ultimately positive for BTR, how it preserved the distinction between scattered-site single-family rental aggregation and purpose-built rental communities, and why institutional capital may increasingly shift toward BTR as a result. Chris, Ryan, and Steven also get tactical on Red River's current Waco, Texas project: a 206-home Trulo Homes community on 20 acres near major retail, entertainment, downtown Waco, and Baylor University. They walk through the capital stack, construction debt, personal guarantees, commercial construction approach, phasing strategy, and how Red River de-risks development by lining up permits, contractors, GMP pricing, and leasing phases before and during construction. Key takeaways: How Ryan and Steven's backgrounds led to the launch of Red River Development Why build-to-rent serves renters graduating out of apartments or downsizing from homeownership How the 21st Century ROAD to Housing Act changed from a potential BTR headwind into a positive catalyst Why institutional capital may move away from scattered-site rentals and toward purpose-built BTR communities What Red River looks for in secondary markets, suburban sites, demographics, schools, retail access, and job centers How the Waco project is structured, including a 65% loan-to-cost construction loan and a $55 million total capitalization Why Red River uses a commercial construction approach to build faster and reduce execution risk Join a community of passive investors. Start your FREE 7-day trial: https://passivepockets.com/?utm_source=youtube&utm_medium=description&utm_campaign=none Listen to the PassivePockets Podcast Anywhere: https://lnk.to/passivepockets Subscribe to the Passive Investing Newsletter: https://www.biggerpockets.com/email-subscribe?utm_source=youtube&utm_medium=description&utm_campaign=none Join BiggerPockets for free: https://www.biggerpockets.com/signup?utm_source=owned_media Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

The ROAD to Housing Act is now law—a landmark achievement that caps nearly two years of relentless advocacy by NAR. Powered by 1.4 million members, the campaign included congressional testimony, thousands of meetings, original research, coalition-building, expert policy guidance, and targeted Calls for Action. No organization had a greater impact on getting this landmark legislation across the finish line. Now, the baton passes from NAR's lobbying team to its policy experts as the regulatory process begins. What's next for the law's nearly 50 housing provisions? Plus, while Congress is on August break, Shannon and Patrick reunite in Anaheim to discuss what's next for advocacy—and why, at NAR, there's no recess for the weary.

Arizona Monthly Market Housing UpdateRight now, buyers are negotiating thousands in seller concessions, condo owners are facing a much tougher reality than single family homeowners, and mortgage rates are still deciding who moves and who waits.​​In this Phoenix AZ housing market update, Katie, Ryan, and Matt unpack what mortgage applications are revealing, why seller concessions have become so common, and how buyers may be able to use them to reduce upfront costs or monthly payments.​​We also dig into the growing divide between condos and single family homes, what condo sellers need to understand before listing, and where opportunity may be hiding for the right buyer.​​For a deeper look at the risks condo buyers may not see coming, watch this recent Real Estate Tip Tuesday episode:​The Condo Problem Buyers Don't See Cominghttps://www.youtube.com/live/P4TJ0IL_Igg?si=PX3Co7tdPvvOaByX​​Then we break down the 21st Century ROAD to Housing Act and what Arizona buyers, sellers, homeowners, and investors should be watching.​The Phoenix market is not sending one signal. It is sending several.​Knowing which one applies to you could completely change your next move.​Would you rather wait for lower mortgage rates or negotiate thousands from a seller today?​​

On today's episode, Editor in Chief Sarah Wheeler talks with reporter Tyler Williams to talk about the ROAD Act and how it's already impacting homebuilders and housing supply. Related to this episode: How ROAD aims to boost housing supply and cut red tape HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire AI Summit – August 11 HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Top 5 Trending Housing Market Spotlight: What the national median price isn't telling you Zillow to lay off 500 staff in restructuring Mortgage experts call ROAD to Housing Act a starting point for improved supply, affordability Former FHA chief Frank Cassidy on JPMorgan Chase housing pledge Exclusive: Lower launches mortgage option with minimum 1% down payment Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

 In this episode of Compliance 911, Len Suzio and Dean Stockford review key banking and compliance developments from June 2026, including new OCC rules affirming federal banks' authority over real estate escrow interest and fees, updated FDIC guidance on official signs and advertising, and CFPB changes to Regulation B that have created uncertainty around disparate impact and fair lending enforcement. They also discuss a joint FinCEN advisory identifying red flags tied to fraud involving unauthorized employment, CFPB guidance on considering immigration status in ability-to-repay decisions, and expanded use of Section 314(b) information sharing for fraud and cyber-related activity. The episode concludes with FHA's decision to make certain appraisal field reviews optional and an overview of the proposed 21st Century ROAD to Housing Act, which could provide regulatory relief for community banks through higher examination thresholds, brokered deposit reforms, streamlined bank formation, and support programs for smaller and newly chartered institutions. Brought to you by GeoDataVision and M&M Consulting

Send us Fan MailExplaining the New Housing Act with Mike Wallace and Jason JordanIn this episode, Lauren Lowery, Director, Housing and Community Development, National League of Cities, is in conversation with Mike Wallace, Legislative Director, Housing, Community and Economic Development, National League of Cities, and Jason Jordan, Public Affairs Director, American Planning Association, on the 21st Century ROAD to Housing Act. The first comprehensive housing package to pass Congress in decades passed with overwhelming bipartisan support in both the U.S. Senate and the U.S. House. The 21st Century ROAD to Housing Act aims to boost housing supply by improving existing programs, unlocking private capital, and reducing federal regulatory barriers.For more information, visit us at nlc.org.

Every so often, something happens in Washington that people have been talking about for so long that it's easy to wonder whether it'll ever actually happen. For housing policy, that moment arrived with the passage of the 21st Century ROAD to Housing Act.The legislation has been called the most significant housing bill in decades, bringing together a broad package of reforms aimed at increasing housing supply, improving affordability and modernizing federal housing programs. For NAA and the rental housing industry, it's also the culmination of years of advocacy and engagement. On this episode, NAA AVP of Federal Legislative Affairs Owen Caine sits down to discuss exactly what made it into the bill, what it means for housing providers and what happens next. So what exactly made it into the bill? What does it mean for housing providers? And what happens next?To learn more about the passage of the 21st Century ROAD to Housing Act, visit https://naahq.org/news/what-new-housing-law-means-rental-industry. For more on rental housing advocacy, visit https://naahq.org/advocacyPlease note that as is the case for all The NAA Apartmentcast episodes, nothing contained within this podcast should be treated as legal advice. The information presented is for educational purposes only. 

U.S. Reps. Mike Flood (R-Neb.) and Emanuel Cleaver (D-Mo.) join Housing Developments to discuss challenges in passing the 21st Century ROAD to Housing Act and how they worked together to finalize this once-in-a-generation housing package.

Stop waiting for a market crash or government rescue; this episode reveals why the housing market has fundamentally changed and how first-time homebuyers must adapt with a "replacement strategy" to build wealth now. SynopsisFeeling left behind by the 2026 housing market? This episode delivers a crucial reality check: the affordability crisis is a permanent structural shift, not a temporary cycle. Discover why waiting for a market crash or government bailout is a losing strategy, and learn the essential "replacement strategy" to leverage low down payment options and find hidden opportunities, especially with new home builders. We'll also expose common scams and debunk foreclosure fears so you can take control and buy your first home now. Quote"America's affordability crisis isn't cyclical, it's structural. So here we go. The cycles not coming back."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy waiting for a housing market crash is a permanent trap, not a smart strategy for building wealth?What is the "replacement strategy" and how can it help you redirect high rent payments into home equity?Why the new federal "21st Century Road to Housing Act" offers no real relief for first-time buyers?How did the required income for a median home jump from $66,000 to $120,000, and what does the 5:1 price-to-income ratio mean for your buying power?Where are new home builders offering massive incentives (averaging 10.9% of the home price!) and how can you find these deals?What's the dangerous scam involving builder-owned lenders, and how can you protect yourself from hidden costs and payment shock?Is the recent rise in foreclosures truly a sign of an impending market collapse like 2008, or is it statistically insignificant noise?Referenced Episodes & Resources513 – First-Time Homebuyer Headlines & Scams - PART 2 - Summer 2026 Housing Market Update500 – What to Know Before Buying Your First Home in 2026426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?457 – First Time Homebuyers: Buy or Wait in 2026? (March Housing Market Update)490 – First Time Homebuyer Pros & Cons: New Build vs. Resale489 – 2026 Housing Affordability Tips for Renters and First Time HomebuyersHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

urple Political Breakdown, hosted by Radell Lewis. Political Solutions Without Political Bias. The Supreme Court struck down this administration's tariffs. So it found a different law and taxed 99.4 percent of everything America imports anyway. A federal judge blocked the order rewriting how you get a mail ballot. So it went to the Supreme Court, and the Postal Service started building the portal regardless. OpenAI sealed two AI models in a sandbox to test whether they could hack. The models picked the lock and hacked a real company on the way out. Nobody in this episode broke a rule. Everybody found a way around one. That is the thread. This week we launch a new opening segment, What Has Trump Said This Week, going straight to the tape on the fourth term comments and the Netanyahu remarks. NUANCED NEWS: The tariff sequence nobody is explaining. Three different legal authorities in six months producing nearly the same outcome, each time a court closed a door. Section 301 after Section 122 after the Supreme Court struck the original Liberation Day tariffs. Then the same authority aimed at the European Union one day later over the Google antitrust fine, and a lawsuit filed by Friday afternoon. Plus the mail ballot executive order reaching the Supreme Court with a response due August 3, two federal appeals courts splitting on ripeness in the same week, and the postal portal getting built anyway. Plus the OpenAI containment breach, including the detail almost nobody reported: when OpenAI tried to defend against its own attacking agent, another American lab's safety guardrails made its model useless, so the defense ran on an open source Chinese model. RESEARCH ON A DIME: Jay Clayton, confirmed Director of National Intelligence 51 to 47, and the surveillance law nobody will vote on. Section 702 of FISA has been dead since June 12. It is not being debated on its merits. It is collateral. And on July 10, the bipartisan 21st Century ROAD to Housing Act became law without a presidential signature for the same reason. Same bill. Two hostages. Then Michigan's Senate primary, the 36 million dollars in outside spending, and the 16.8 million from a group that does not have to say who funds it until after you vote. BREAKDOWN IN THE PUBLIC: Is it actually harder now, or does it just feel that way? New Pew data on how young adults see homeownership, education, savings, and jobs, the Minneapolis Fed's argument that we may be measuring American homeownership 12 points wrong, and an honest steel-man of the case that the whole gerontocracy frame is a misdirection. GOOD NEWS: States are revoking data center tax breaks after residents connected their power bills to the building down the road. Solar hit a quarter of all EU electricity for the first time. And a Stanford Medicine trial has kids with multiple food allergies eating full servings safely. Join the conversation about real political solutions: https://www.reddit.com/r/policysolutions/ New episodes stream live every Wednesday. Full audio drops Thursday. Standard Resource Links & Recommendations The following organizations and platforms represent valuable resources for balanced political discourse and democratic participation: PODCAST NETWORK Check Out the Podcast Website: https://www.purplepoliticalbreakdown.com ALIVE Podcast Network: Check out the ALIVE Network where you can catch a lot of great podcasts like my own, led by amazing Black voices. Link: https://alivepodcastnetwork.com/ CONVERSATION PLATFORMS HeadOn: A platform for contentious yet productive conversations. It's a place for hosted and unguided conversations where you can grow a following and enhance your conversations with AI features. Link: https://app.headon.ai/ Living Room Conversations: Building bridges through meaningful dialogue across political divides. Link: https://livingroomconversations.org/ UNITY MOVEMENTS Us United: A movement for unity that challenges Americans to step out of their bubbles and connect across differences. Take the Unity Pledge, join monthly "30 For US" conversation calls, wear purple (the color of unity), and participate in National Unity Day every second Saturday in December. Their programs include the Sheriff Unity Network and Unity Seats at sports events, proving that shared values are stronger than our differences. Link: https://www.us-united.org/ BALANCED NEWS & INFORMATION OtherWeb: An AI-based platform that filters news without paywalls, clickbait, or junk, helping you access diverse, unbiased content. Link: https://otherweb.com/ VOTING REFORM & DEMOCRACY Equal Vote Coalition & STAR Voting: Advocating for voting methods that ensure every vote counts equally, eliminating wasted votes and strategic voting. Link: https://www.equal.vote/star Future is Now Coalition (FiNC): A grassroots movement working to restore democracy through transparency, accountability, and innovative technology while empowering citizens and transforming American political discourse. Link: https://futureis.org/ POLITICAL ENGAGEMENT Independent Center: Resources for independent political thinking and civic engagement. Link: https://www.independentcenter.org/ GET DAILY NEWS Text 844-406-INFO (844-406-4636) with code "purple" to receive quick, unbiased, factual news delivered to your phone every morning via Informed (https://informed.now) Check Out the Unfuck America Tour & National Ground Game: https://www.nationalgroundgame.com/ Check Out the CIVICS App to Know More About Your Politicians: https://www.civicpolitics.com Subscribe to the Substack: https://open.substack.com/pub/purplepoliticalbreakdown ALL LINKS https://linktr.ee/purplepoliticalbreakdown The Purple Political Breakdown is committed to fostering productive political dialogue that transcends partisan divides. We believe in the power of conversation, balanced information, and democratic participation to build a stronger society. Our mission: "Political solutions without political bias." Subscribe, rate, and share if you believe in purple politics, where we find common ground in the middle! 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In this episode of the Loan Officer Podcast, hosts Dustin Owen, Marketing Mike, and Karina Mojica take a deep dive into the recently enacted 21st Century Road to Housing Act, which officially became law on July 11th, 2026, notably without a presidential signature. Touted as the most significant piece of housing legislation since 1990, the bill introduces several key provisions aimed at reshaping the housing landscape. Among its headline measures are a ban preventing institutional investors from owning more than 350 single-family homes nationwide, new and improved financing options for manufactured homes, and a substantial increase in FHA multifamily loan limits to encourage more rental housing development. Throughout the episode, the hosts provide thoughtful analysis on the bill's bipartisan journey through Congress and discuss its intended impact on the housing market. They highlight the legislation's ambition to curb large-scale investor ownership in residential real estate, which many believe has contributed to rising home prices and reduced availability for individual buyers. The enhancements to manufactured home financing are also examined, with the hosts noting the potential for these changes to expand affordable housing options for lower- and middle-income families. Additionally, the increased FHA multifamily loan limits are discussed as a move to stimulate the construction of much-needed rental units in high-demand areas. Despite acknowledging the bill's historic scope and the broad support it received from both sides of the aisle, Dustin, Mike, and Karina agree that the legislation ultimately falls short of delivering meaningful improvements to housing affordability. They point out that the act does not address several critical factors driving the affordability crisis, such as persistently high interest rates, the impact of capital gains taxes on housing turnover, escalating construction costs, and the ongoing shortage of housing supply. The hosts conclude by emphasizing the need for future reforms that tackle these underlying issues if real progress is to be made in making housing more accessible and affordable for all Americans. TLOP's Originator Coaching:

Foreclosures just jumped 21% year-over-year, with over 227,000 US properties filed in the first half of 2026 — but Matt Lombardi and Steve Kaempf break down why this isn't a crash, it's a return to a more normal market. They dig into which states are getting hit hardest (Florida, South Carolina, Indiana) and where foreclosures are accelerating fastest (Idaho, Colorado, Georgia), plus what this means for investors looking to step into distressed properties the right way.The bigger story: a new provision in the 21st Century Road to Housing Act just banned institutional investors who own 350+ single-family homes from buying any more to rent out — killing the "scattered site portfolio" strategy that let Wall Street compete directly with everyday buyers. Combine that with starter homes now averaging $344,000 (up from $256,000 just six years ago) and pending home sales slumping 5.4% month-over-month, and the housing market is shifting in ways most people haven't caught onto yet.Also covered: downtown Chicago's latest office-to-apartment conversion, Chicago's Fair Renter Protection Ordinance counter-proposal, Illinois' overhaul of property tax sales, and this week's viewer mail on the aging realtor demographic.New episodes of Market Trends drop every Monday — subscribe so you don't miss the next one.#HousingMarket2026 #Foreclosures #RealEstateNews #MarketTrends #StarterHomes #RealEstateInvesting #ChicagoRealEstate #HousingLaw #InstitutionalInvestors #RealtorLife #peoplenottitles Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenottitlesFB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv

The 21st Century ROAD to Housing Act is now law. The massive housing package has a lot of moving parts that will need to be implemented at the federal, state, and local levels. NAHB CEO Jim Tobin and COO Paul Lopez discuss the agencies involved and how NAHB will be helping. They also review the latest housing market data and more.

7.22.2026 #RolandMartinUnfiltered: Nolan Wells Autopsy Findings. Warnock on Affordable Housing. Kadir Skinner Bodycam Contradicts Cops. Abbott Attacks Black Voters._ Nolan Wells' independent autopsy preliminary findings pose new questions about what happened to him. We'll share what Civil Rights Attorney Ben Crump calls "significant findings." A millennial and minority-owned research firm is rolling out new polling and research about Black voters' opinions on voting rights following the Callais v. Louisiana decision and heading into the midterm elections. HIT Strategies' president will explain how they plan to get Black folks to the polls. Delaware officials have released body camera footage that seems to contradict the initial police report related to the fatal shooting of 19-year-old Kadir Skinner. The family attorney will walk us through the videos and why the cops' story doesn't add up. Republican Texas Governor Greg Abbott has a lot to say about James Talarico and Black Voters. We'll break down why Abbott doesn't know what the hell he's talking about. And I talked to Georgia Senator Raphael Warnock about voting rights and the ROAD to Housing Act, which should increase affordable housing and ease the pathway to homeownership. Black Star Network Partner: Chapter Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. ____ Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Denver active listings ended June at 12,744, down roughly 9% from the same month last year, catching the panel off guard in this June 2026 Denver real estate market update. Most expected inventory to keep climbing through the summer. Instead, the Denver metro is heading into the back half of the year with less supply than it had a year ago, while median prices remain locked near $600,000 for the fourth straight year. Colorado Springs looks even flatter, with June closing at a $499,900 median and almost no movement month over month or year over year. Host Chris Lopez sits down with the full panel of Jenny Bayless of Colorado Springs, Jeff White of Envision Advisors, Troy Howell of Nova Home Loans, and Brandon Scholten of Keyrenter Denver. Together they walk through the June DMAR and Colorado Springs data, then move into two closed deals and the shifting picture in commercial multifamily debt. You get the ground-level view from the brokers, lenders, and property managers actually working these deals. The conversation also covers a Lakewood condo that finally sold for $150,000 after being listed at $270,000 and briefly dropped to $1 as a test. On the multifamily side, Chris shares a 100-unit Colorado Springs deal his fund closed near $11 million after the previous owner ran out of money at a roughly $17 million basis. Meanwhile, a Loveland fourplex traded at $685,000 with $27,000 in seller credits, bought down to a rate near 6.8% on a 5% down owner-occupied loan. From there, the June 2026 Denver real estate market update digs into the federal 21st Century Road to Housing Act and its 350-home institutional threshold, plus the extend and pretend cycle in commercial multifamily lending. Denver Business Journal quotes Mark Bell of Stinson describing extensions, negotiated ownership changes, and new equity infusions as the tools being used today. Chris shares his read after a night with Pinnacle Commercial brokers on why 2026 and 2027 could finally break the cycle. In This Episode We Cover: Why Denver inventory dropped 9% year over year when everyone expected a climb How Denver median prices have stayed near $600,000 for four straight years The Lakewood condo that listed at $270,000 and finally sold for $150,000 A Colorado Springs duplex that closed at list price for a first-time house hacker How a Loveland fourplex closed with $27,000 in seller credits and a rate near 6.8% What the 21st Century Road to Housing Act actually does at the 350-home threshold Why the extend and pretend cycle in commercial multifamily is finally starting to break The 100-unit Colorado Springs deal that traded roughly 35% below its previous basis And so much more! Whether you are house hacking your first duplex or holding a mid-size multifamily, Denver’s June 2026 real estate market update gives you the specific numbers and local context to make your next move. Watch the Youtube Video https://youtu.be/FrBw_y-kyi0 Timestamps 00:00 Welcome and Full Panel Introductions 01:37 Colorado Springs June Stats and Flat Median Prices 05:05 Denver Inventory Drops 9% Year Over Year 09:44 Why Denver Median Prices Stayed Flat for Four Years 12:55 Sellers Renting Instead of Cutting Prices 14:25 Class C Condo Market and the One Dollar Listing Story 17:46 Colorado Springs Duplex Sale Closes at List 23:46 Loveland Fourplex House Hack with $27K Seller Credits 26:54 Underwriting Path From Single Family to Fourplex 28:40 21st Century Road to Housing Act Breakdown 34:54 Extend and Pretend Commercial Lending Shift 40:52 Fund Deal on 100-Unit Colorado Springs Multifamily 46:00 Rate Outlook and the New Fed Chair 48:42 Closing Thoughts and How to Reach the Team Links in Podcast Commercial real estate workouts gain traction as loans come due in DenverMetro Denver home prices continue to hold at mid-2022 levelsStinson Law FirmPinnacle Commercial Real Estate Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Brandon Scholten: brandon@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jeff White: jeff@envisionrea.com Jenny Bayless: jenny@envisionrea.com Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients' burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

The 21st Century ROAD to Housing Act is officially law, marking one of the most significant federal housing policy developments in decades. In this episode of The Multifamily Review, Marcus Armstrong breaks down what the law means for multifamily owners, operators, developers, and investors, including updated FHA multifamily loan limits, permitting incentives, Section 901 restrictions on institutional investors, and new opportunities for build-to-rent. Learn what the law changes, what it leaves untouched, and what multifamily leaders should monitor as its provisions move toward implementation.

The 21 st Century Renewing Opportunity in the American Dream (ROAD) to Housing Act, which became law July 11, introduced sweeping changes to various housing programs and provisions. On this week's episode of Tax Credit Tuesday's "Washington Watch" series, Michael Novogradac, CPA, and Novogradac Chief Public Policy Officer Peter Lawrence discuss the act and its implications for low-income housing tax credit (LIHTC) developers and other professionals working in affordable housing. The two review 10 ways the bill impacts various programs and provisions, including the public welfare investment provision, build-to-rent provision, HOME investments partnership program, Rental Assistance Demonstration (RAD) and more. Novogradac and Lawrence also discuss the ways in which the bill might affect opportunity zones (OZs) and the new markets tax credit (NMTC) incentive.

One of the biggest housing laws in 30 years just passed and both parties agreed on it.In this episode, Mikey Taylor breaks down the "21st Century Road to Housing Act": including who the legislation applies to, what changed during the legislative process, and what economists and housing experts continue to debate about institutional investment and housing affordability.Rather than focusing on headlines, we explore what the bill says, how it could affect different parts of the housing market, and where uncertainty remains.Inside the episode:What the new 350-home threshold meansWhat researchers say about institutional investors and home prices How federal housing incentives compare with California's approach Why digital currency language appears in the legislation

This episode was livestreamed on July 20, 2026.Business, the economy, and you—read Dr. Cotto's Digest for the story of your life: ⁠https://x.com/JosephFordCotto/status/2078825198544134568⁠Full access to Dr. Cotto's Digest is only $3.00/month. Subscribe to this account for the plain truth about business and economic news that shapes your life: ⁠⁠⁠⁠⁠https://x.com/JosephFordCotto/creator-subscriptions/subscribe⁠

The term ROAD means Renewing Opportunity in the American Dream.The act Act became law on July 11 without the President's signature. It passed with enough votes in the Congress and the Senate that there was no possibility of presidential Veto. It is a sprawling piece of legislation containing dozens of provisions covering housing supply, financing, manufactured housing, building codes, environmental review, affordable housing programs and institutional ownership of single-family homes.The Act restricts large institutional investors from purchasing additional single-family homes once they control at least 350 homes, subject to several exceptions. Existing portfolios are not required to be sold, and exceptions remain for newly constructed housing, certain build-to-rent communities, senior housing and other qualifying transactions.This could reduce competition for scattered-site acquisitions from the largest operators. But it may also redirect institutional capital toward purpose-built rental communities, multifamily apartments and financing partnerships with smaller developers.--------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Update: The 21st Century ROAD to Housing Act became law on July 11, 2026, after President Trump neither signed nor vetoed the bill within the constitutional deadline. In this episode, Nathan sits down with Troy Silfies, VP of Tax at Hall CPA, to discuss the new 21st Century Housing Bill and what it could mean for investors, builders, landlords, lenders, and prospective homebuyers. Together, they examine the proposed 350-home threshold for large institutional investors, the bill's key exceptions, build-to-rent developments, rent-to-own programs, manufactured housing, and other provisions that could influence housing supply and real estate investment. If you invest in real estate, this conversation will help you understand what's changing, what could happen next, and how the legislation may affect the market. Request a free discovery meeting: go.therealestatecpa.com/mlre Register for FREE access to the 2026 Hall CPA Tax Strategy Summit: www.taxandlegalsummit.com/2026signup Join the Hall CPA Team: www.therealestatecpa.com/careers/ Get the Ultimate Guide for Real Estate Syndications: go.therealestatecpa.com/mlreultimateguide Submit your questions to: go.therealestatecpa.com/question The Major League Real Estate podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, investing, financial, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

You won't believe why mortgage rates are going back up. It's not because of the war, it's not because of gas prices, and it's not because of the Federal Reserve. Something nobody is talking about is playing a much bigger role in mortgage rates than most Americans think. It's making big corporations richer while the average American continues to struggle to buy a home. What is the hidden factor nobody's talking about? Today, Dave is getting into it, unpacking not only the real reason why mortgage rates are heading back toward 7%, but the loaded week of housing market news. First, we'll touch on mortgage rates and the two reasons why they're shooting back up even after a surprisingly positive inflation report. Then, the historic housing bill that successfully became law and what it really says in the fine print (is Wall Street actually banned?). Finally, why rising student loan delinquencies could mean more renter demand and fewer home sales for millions of Americans. In This Episode We Cover The real reason why mortgage rates are going up even if inflation readings are falling What's actually in the historic 21st Century ROAD to Housing Act? Wall Street's “ban” on buying houses and what the fine print says Cracks forming in student loan repayments and how it could trickle down to housing (more renter demand?) And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets Sign Up for the Investor Brief Newsletter Find Investor-Friendly Lenders Dave's BiggerPockets Profile Hear Our Full Episode on the Historic Housing Bill Grab Dave's Book, Start with Strategy Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and https://www.biggerpockets.com/blog/on-the-market-443.  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

The United States is bombing Iran for a fourth straight night, Senator Lindsey Graham is dead and his Senate seat went to his sister, the agency that certifies your voting machines just got emptied by email, and a text message that would not admit it was a bot tried to move Radell's opinion on Israel. The thread tonight is one question: who actually gets to decide, and who is being kept out of the room? In this episode of Purple Political Breakdown: Iran and the Strait of Hormuz: the June memorandum collapsed, the strikes and the naval blockade are back, oil is near 85 dollars, and the White House position keeps reversing faster than it can be reported. Why the missing story is not the policy, it is the absence of one. Lindsey Graham: the senator's death, the appointment of his sister Darline Graham Nordone to the seat on the President's recommendation, and an honest look at the record, including the 2016 Merrick Garland blockade and the 2020 Amy Coney Barrett confirmation eight days before the election. The Election Assistance Commission: what this quiet agency actually does for your vote, why firing every commissioner months before a midterm matters, and the receipts that connect it to the SAVE Act, the DOGE and True the Vote data deal, the ERIC exodus, and the CISA cuts. Breakdown in the Public: the "Friends for Peace" texts Radell received, traced by reporters to Brad Parscale's firm and a nine million dollar Israeli Foreign Ministry contract, plus fresh polling on where American opinion on Israel actually stands. Research on a Dime: the Maine Senate scramble to replace Graham Platner and who the Democrats might pick, and the new 21st Century ROAD to Housing Act that became law without a signature. Good News to close: Pakistan's rooftop solar boom, a landmark NHS heart-attack prevention rollout, and a gene therapy giving deaf children their hearing. NEW: main shows are now live on Wednesdays, and the full podcast episode now drops Thursdays at 8am EST. CHAPTERS 0:00 Intro, updates, and tonight's through-line 5:24 Nuanced News. Iran: a war with no off-ramp 11:12 Lindsey Graham has died, and the seat went to his sister 19:00 The EAC firing and the machinery of election security 28:26 Quick hits across the news 31:02 Breakdown: the Friends for Peace texts, and who is moving your opinion 39:04 Viewer mail: NATO, Ukraine, and Russia's invasion 41:46 Research on a Dime: Maine's Senate scramble after Platner 49:34 The housing law that passed without a signature 55:41 Good News to close 59:56 Outro and what is next Got a political solution worth sharing? Post it in the new community: https://www.reddit.com/r/policysolutions/ Watch and subscribe: [EPISODE LINK] Listen on Apple Podcasts: https://podcasts.apple.com/podcast/id1626987640 Website: https://www.purplepoliticalbreakdown.com Standard Resource Links & Recommendations The following organizations and platforms represent valuable resources for balanced political discourse and democratic participation: PODCAST NETWORK Check Out the Podcast Website: https://www.purplepoliticalbreakdown.com ALIVE Podcast Network: Check out the ALIVE Network where you can catch a lot of great podcasts like my own, led by amazing Black voices. Link: https://alivepodcastnetwork.com/ CONVERSATION PLATFORMS HeadOn: A platform for contentious yet productive conversations. It's a place for hosted and unguided conversations where you can grow a following and enhance your conversations with AI features. Link: https://app.headon.ai/ Living Room Conversations: Building bridges through meaningful dialogue across political divides. Link: https://livingroomconversations.org/ UNITY MOVEMENTS Us United: A movement for unity that challenges Americans to step out of their bubbles and connect across differences. Take the Unity Pledge, join monthly "30 For US" conversation calls, wear purple (the color of unity), and participate in National Unity Day every second Saturday in December. Their programs include the Sheriff Unity Network and Unity Seats at sports events, proving that shared values are stronger than our differences. Link: https://www.us-united.org/ BALANCED NEWS & INFORMATION OtherWeb: An AI-based platform that filters news without paywalls, clickbait, or junk, helping you access diverse, unbiased content. Link: https://otherweb.com/ VOTING REFORM & DEMOCRACY Equal Vote Coalition & STAR Voting: Advocating for voting methods that ensure every vote counts equally, eliminating wasted votes and strategic voting. Link: https://www.equal.vote/star Future is Now Coalition (FiNC): A grassroots movement working to restore democracy through transparency, accountability, and innovative technology while empowering citizens and transforming American political discourse. Link: https://futureis.org/ POLITICAL ENGAGEMENT Independent Center: Resources for independent political thinking and civic engagement. Link: https://www.independentcenter.org/ GET DAILY NEWS Text 844-406-INFO (844-406-4636) with code "purple" to receive quick, unbiased, factual news delivered to your phone every morning via Informed (https://informed.now) Check Out the Unfuck America Tour & National Ground Game: https://www.nationalgroundgame.com/ Check Out the CIVICS App to Know More About Your Politicians: https://www.civicpolitics.com Subscribe to the Substack: https://open.substack.com/pub/purplepoliticalbreakdown ALL LINKS https://linktr.ee/purplepoliticalbreakdown The Purple Political Breakdown is committed to fostering productive political dialogue that transcends partisan divides. We believe in the power of conversation, balanced information, and democratic participation to build a stronger society. Our mission: "Political solutions without political bias." Subscribe, rate, and share if you believe in purple politics, where we find common ground in the middle! 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It's Wednesday, July 15th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark and Adam McManus Pakistani Christians targeted in absurd blasphemy cases Most blasphemy cases in Pakistan in recent years were fabricated. Officials admitted this to a parliamentary committee last week. Christians were among the people targeted in the hundreds of fabricated cases.  The country's blasphemy law criminalizes insulting Islam. People often use the law to target religious minorities like Christians. Just last week, a Pakistani court acquitted a Christian man in this kind of case. Thirty-seven-year-old Dennis Albert had spent two years in prison over false accusations.  In Matthew 5:11-12, Jesus said, “Blessed are you when they revile and persecute you, and say all kinds of evil against you falsely for My sake. Rejoice and be exceedingly glad, for great is your reward in Heaven, for so they persecuted the prophets who were before you.” British island legalizing assisted suicide The British Channel Island of Jersey is legalizing assisted suicide.  The self-governing island is under the British Crown. Jersey received Royal Assent for its so-called “Assisted Dying Law” last week. Once the law takes effect, the territory will be the first place in the British Isles to legalize such killing. Other jurisdictions in the British Isles are also trying to legalize assisted suicide. These include the Isle of Man as well as England and Wales.  Arkansas: Best state for religious liberty; New York is the worst First Liberty released its 2026 Religious Liberty in the States report. The index ranks states in America based on how well they protect religious freedom.  Only Arkansas and Tennessee received excellent scores on the index. New York and Vermont scored the worst. The majority of states scored below 50 percent on the index.  Arkansas' Republican Governor Sarah Huckabee Sanders spoke at a press conference after her state won the highest score on the index. Listen. SANDERS: “Jesus commands us to live out our faith boldly. The Constitution protects our rights to do so. In this administration, we don't just believe that Jesus is our living hope. We will always stand up for the rights of Arkansans who believe the same. “I want to thank First Liberty for recognizing Arkansas's work and for honoring us with this ranking. It's something we are very proud of and we will continue to make sure we stay number one.” Michigan pro-life groups will not be compelled to hire pro-aborts A federal judge ruled in favor of pro-life groups in Michigan last week.  A state law would require pro-life organizations to hire pro-abortion employees. Right to Life of Michigan and Pregnancy Resource Center challenged this law in court. The recent ruling blocks Michigan from enforcing the law.  Amber Roseboom, president of Right to Life of Michigan, said, “The court's decision is a welcome reprieve and reaffirms our fundamental right to hire employees who agree with our life-affirming mission.” New law will make housing more affordable The 21st Century Road to Housing Act became law in the United States. last Saturday.  The bipartisan bill is an attempt to make housing more affordable for Americans. White House Press Secretary Karoline Leavitt described the law on X. She said, “This bipartisan bill includes policies long championed by the President. It cuts unnecessary red tape, helps increase housing supply, and limits the ability of large institutional investors to purchase single-family homes.” Median home price: $440,600 In related news, home prices continued to rise last month. A report from the National Association of Realtors found that the median sales price of an existing home reached $440,600 in June. That's the highest on record.  Lawrence Yun with the National Association of Realtors noted, “Affordability is better than a year ago because wage growth is outpacing home price growth. However, progress on long-term housing affordability could be hampered if inventory growth continues to stall.” People who experienced heartache more likely to turn to Bible Last week, the American Bible Society released the fourth chapter of its “State of the Bible: USA 2026” report.  The survey found that people who experienced a negative life event in the past year were significantly more likely to be Bible users than those who had not experienced that challenge. Such challenges included divorce, natural disaster, life-threatening illness or injury, death of a close friend or family member, and unemployment. The report noted, “Amidst hardships, those who regularly engage with Scripture maintain significantly higher flourishing scores.” In John 16:33, Jesus said, “These things I have spoken to you, that in Me you may have peace. In the world, you will have tribulation; but be of good cheer, I have overcome the world.” Worldview listeners weigh in from Kansas, Washington, and Indiana Susan Tarwater in Hoyt, Kansas, wrote me and said, “I do not watch television. So, I depend on The Worldview as a shortened version of important news I need to hear. Especially news that a Christian needs to be aware of without all the glitter.” Tom Lister in Spokane, Washington wrote me to say, “Adam, I listen to your broadcast every weekday morning. I especially like how you keep us informed about the church, the persecution of many, and how, in many places, the church is slipping into apostasy. I also appreciate how you always end on a very positive outlook. Keep up the good fight! I'm a monthly supporter already but might be able to increase the amount.” And Melinda Johnson in Indianapolis, Indiana, wrote, “I've been listening to and reading The Worldview for several years now. My favorite part of the news is hearing about different stories that are not reported by mainstream media -- things like persecuted Christians, updates on abortion, how the Gospel is impacting the world, and issues affecting the conservative Christian movement. “The Worldview is quite different than any other news, even Christian sources, that cover the regular news. Your newscast brings up topics that help me know what to pray for in the world. You and the team are continuing in a great work!” 3 Worldview listeners gave $205 And finally, on Tuesday by 6:00pm Central, only 3 Worldview listeners stepped up to the plate and invested their treasure to fund the six-member team behind The Worldview for another year Our thanks to Teresa in Haverford, Pennsylvania who gave $5 as well as Lawrence in Lynchburg, Virginia and Gary in Westminster, Colorado – both of whom gave $100 Those 3 gifts add up to $205. Ready for our new grand total? Drum roll please. (drum roll sound effect) $24,008 (sound effect of people cheering) That means we need to raise a sizeable $32,557 in just three days to hit our $56,565 goal by this Friday, July 17th.   Listen, if you have been a monthly donor from a previous year, and you intend to continue with your monthly donation, please email me to let me know, so that I can add your generous help toward our total. And if you would like to make a one-time donation today or start a new monthly pledge, please go to TheWorldview.com, click on Give, select the dollar amount, and make sure to click on the “recurring” button if that's your wish. If everybody does something, we can reach our $123,500 finish line to fund this upcoming year. Go to TheWorldview.com, click on Give. Close And that's The Worldview on this Wednesday, July 15th, in the year of our Lord 2026. Subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

The 21st Century ROAD to Housing Act just became the most significant federal housing legislation in decades — and it became law without President Donald Trump's signature. This week on First Draft Live, Bisnow Editor-in-Chief Mark F. Bonner sits down with Sharon Wilson Géno, President of the National Multifamily Housing Council, who was literally on her way to the signing ceremony when Trump pulled out at the last minute. They dig into what almost got stripped from the bill, whether the law's headline provision has any real teeth and what NMHC is fighting for on Capitol Hill this week as implementation questions pile up at the U.S. Treasury Department.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the June inflation report and what it means for mortgage rates. Related to this episode: July rate hike should be off the table with big June inflation miss HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: July rate hike should be off the table with big June inflation miss What the ROAD to Housing Act means for agents, homebuyers JMG Brings $5.9B Teamerage Platform to Keller Williams Iran Conflict Lifts Mortgage Rates but Housing Demand Stays Positive MBA analysis finds minimal pricing impact from single credit score approach Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Today's episode begins with market reaction to the lowest CPI inflation report in years. Plus, Robbie interviews JPMorgan Chase's Olivia Barrow Strauss on today's housing policy landscape, examining why the U.S. continues to under build homes, how smart policy can expand supply and lower costs, and what the passage of the ROAD to Housing Act could mean for the future of housing affordability. And we close with what prices are doing at the wholesale level.Thanks to Zillow Home Loans, Zillow's in-house mortgage lender, for sponsoring this week's podcasts. By integrating Zillow's real estate platform with financing, Zillow Home Loans helps buyers move from dreaming about a home to holding the keys. With tools built for modern lending, Zillow Home Loan's loan officers can focus on guiding buyers with care and confidence. Zillow Home Loans is an equal housing lender. NMLS #10287.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Record home prices. Mortgage rates at a nearly one-year high. And somehow, buyers have more negotiating power across much of the country. The 2026 housing market is splitting by income, geography, and inventory—and the national headlines are hiding it. In this live episode of tWiRE, we're asking the question behind all the conflicting data: Is this finally a buyer's market, or only for the shrinking group of buyers who can still afford to participate? A new federal housing law promises to increase supply, reduce barriers to construction, and limit large institutional investors. But housing policy moves slowly, while mortgage rates, inflation, inventory, and local demand are changing the market right now. In this live episode, we'll cover: What the 21st Century ROAD to Housing Act actually changes for buyers, sellers, builders, and investors Why mortgage rates climbed despite a softer inflation report How home prices can hit a record while Miami, Nashville, and major Texas markets favor buyers Why weather, climate concerns, and college-town demand are reshaping migration and home values What "worst states to live" rankings miss about affordability, growth, and housing demand Compass expanding its Zillow fight through regulators, MLSs, and Realtor associations NAR's guidance for office exclusives, Coming Soon listings, and broker disclosures Keller Williams' planned acquisition of the 1,200-agent Jason Mitchell Group—and what it says about consolidation and lead-generation power Join live on our YouTube channel, every Wednesday at 12 PM CST!

Statewide, Washington needs to build 55,000 new homes per year to house new residents. The state is currently producing just 75% of that. That makes housing expensive... and it’s not just Washington state facing a long-term housing shortage. For years, Americans have been begging politicians to do something about the high cost of housing buying an adequate place to live. In late June, something happened that almost never happens in Washington, D.C.—Republicans and Democrats came together to pass a major bill aimed at unlocking the housing supply. The bill is called the 21st Century Road to Housing Act, and it just became law over the weekend. Some lawmakers are calling this bill the most consequential housing reform in decades. On today's episode, we look at what it can really deliver. Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to https://donate.kuow.org/donate/booming.Booming is a production of KUOW in Seattle, a proud member of the NPR Network. Our editor is Carol Smith. Our producers are Lucy Soucek and Alec Cowan. Our hosts are Joshua McNichols and Monica Nickelsburg.Support the show: https://kuow.org/donateSee omnystudio.com/listener for privacy information.

This week we break down the 21st Century Road to Housing Act (spoiler: it's not what the headlines say), a massive real estate acquisition out of Scottsdale, and a financial literacy fail that'll make your jaw drop. Bullets:

This Day in Legal History: The Housing Act of 1949On July 15, 1949, President Harry Truman signed the Housing Act of 1949, a centerpiece of his “Fair Deal” and one of the most ambitious housing laws in American history. Its stated goal was breathtaking in scope: “a decent home and a suitable living environment for every American family.” To get there, the Act poured federal money into public housing construction, expanded federal mortgage insurance, and created the urban renewal program to clear and redevelop so-called “slum” neighborhoods.The Act's legacy is genuinely double-edged, and it's worth telling honestly. On one hand, it expanded homeownership for millions and built hundreds of thousands of units of public housing. On the other, its implementation became one of the great engines of racial segregation in the twentieth century. Urban renewal too often meant bulldozing established Black neighborhoods—critics bitterly renamed it “Negro removal”—and the public housing built in their place was frequently segregated by design and concentrated in already-poor areas. Meanwhile the federal mortgage machinery it fed continued the practice of redlining, steering the benefits of homeownership toward white families and away from Black ones.That mixed legacy is why the Housing Act belongs in a legal-history conversation about civil rights. The same federal government that would, within a few years, order schools desegregated in Brown v. Board of Education was, through its housing policy, actively entrenching residential segregation—and residential segregation is what makes school segregation so durable, because in America where you live largely determines where you go to school. The story of July 15, 1949 is a reminder that the law's effects depend enormously on how it's carried out: a statute promising a decent home for every family became, in practice, a tool that shaped the segregated geography we're still litigating over today.Todd Blanche faced a high-stakes Senate Judiciary Committee hearing today in his bid to become attorney general on a permanent basis. Blanche has been acting attorney general since President Trump fired Pam Bondi in April, and before joining the Justice Department he served as Trump's personal criminal defense lawyer—a background that sits at the center of the concerns about him. The confirmation process exists because the Constitution's Appointments Clause requires the Senate to advise and consent on the nation's top law-enforcement officer, and the attorney general is supposed to serve the United States, not the president personally. That tension drove the questioning: senators pressed Blanche on the Department's $1.8 billion “anti-weaponization” fund, its handling of the Jeffrey Epstein files, and its prosecutions of figures perceived as Trump's political enemies, including former FBI Director James Comey and New York Attorney General Letitia James. The significance is about the independence of the Justice Department. An attorney general who was recently the president's private defense attorney raises the question of whether federal prosecutorial power will be wielded neutrally or as an instrument of the president's interests. With a pair of undecided Republicans—Senators Cornyn and Tillis—holding real leverage, the hearing was Blanche's chance to reassure a narrowly divided Senate, and most observers still expect him to be confirmed by a slim margin.Blanche to face Senate grilling in bid to be Trump's attorney general | ReutersTwo U.S.-based advocacy groups have sued the Trump administration, arguing that its sanctions targeting the International Criminal Court violate the First Amendment. The groups—Democracy for the Arab World Now and the Taxpayer Alliance Against Genocide—are challenging the February 2025 executive order under which the administration has sanctioned ICC judges, prosecutors, and Palestinian human rights organizations, and which officials pledged this week to expand. The free-speech theory is the key. The plaintiffs say the sanctions regime is so broad that they have stopped doing constitutionally protected things—filing submissions with the ICC and coordinating advocacy with sanctioned people, like the U.N. special rapporteur for Palestine—out of fear that doing so could expose them to fines or even prison. In First Amendment law, that's a classic “chilling effect”: when a law is vague or sweeping enough that people self-censor protected speech to avoid the risk of penalty, the law itself can be unconstitutional even before anyone is actually punished. There's notable precedent here: a similar Trump order in 2020 was blocked by a judge who found it likely violated the First Amendment, before the Biden administration rescinded it in 2021. The significance is a direct clash between the executive's broad power over foreign affairs and sanctions on one side, and Americans' right to speak, associate, and petition on the other. Three ICC judges have separately sued over the same sanctions, so this order is now being attacked on multiple fronts.Trump's ICC order violates free speech, advocacy groups say in lawsuit | ReutersA federal appeals court has ended more than sixty years of federal oversight of the Concordia Parish School Board in Louisiana, lifting one of the desegregation orders that dates back to the Civil Rights era. The Fifth Circuit's decision hands a win to the Trump administration, which has pushed to wind down these long-running cases—a striking reversal for a Justice Department that spent decades on the other side, fighting to enforce them. Here's the legal framework. After Brown v. Board of Education, hundreds of Southern school districts were placed under federal court supervision and ordered to dismantle segregation. A district can be released from that oversight when a court finds it has achieved “unitary status”—meaning it has eliminated the vestiges of segregation, to the extent practicable, in areas like student assignment, faculty hiring, facilities, and discipline. The dispute in cases like this one is whether that's really been accomplished. Louisiana officials argue the orders are relics of a bygone era and no longer needed. Civil rights advocates and some parents counter that the vestiges persist—in racial disparities in student discipline, access to advanced academic programs, and teacher hiring—and that lifting oversight removes a crucial tool for addressing them. The significance is part of a broader push to close out Civil Rights-era decrees, and it raises a hard question: whether these districts have genuinely outgrown the need for supervision, or whether ending it prematurely risks letting old patterns quietly reassert themselves.Appeals court ends US oversight of Louisiana school system related to desegregation mandate | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

This podcast episode delves into the pivotal question of consumer demand within the furniture industry, particularly in light of recent legislative developments and market trends. The enactment of the 21st Century Road to Housing Act, which emphasizes affordability in housing, is poised to significantly influence furniture sales by facilitating access for everyday buyers rather than large institutional investors. With existing home sales showing a year-over-year increase alongside a burgeoning back-to-campus spending forecast, we explore the implications for retailers who must navigate a market characterized by both opportunity and caution. The episode further addresses the challenges faced by the mattress sector, where a pronounced decline in unit shipments contrasts with a rising average selling price. Additionally, we examine the regulatory landscape affecting outdoor furniture manufacturers, who are grappling with compliance issues that may shape their operational costs and pricing strategies. Our discussion encapsulates the intricate dynamics at play in the current market, offering insights that are essential for stakeholders in the furniture industry.Takeaways:The recent enactment of the 21st Century Road to Housing Act emphasizes affordability, significantly impacting consumer access to housing and subsequently furniture purchases.As existing home sales show a year-over-year increase of 2.8%, the market appears to be gradually improving despite a slight month-to-month decline in sales.The anticipated record-breaking back-to-campus spending of over $100 billion indicates a robust market for dorm and apartment furnishings, reflecting increased consumer participation.The mattress market is currently facing challenges, with a notable decline in unit shipments despite a rise in average selling prices, indicating a shift in consumer purchasing behavior.Outdoor furniture retailers are increasingly concerned about regulatory compliance, particularly regarding PFAS restrictions, which may lead to increased costs and complexities in product offerings.Serta Simmons Bedding's acquisition of Doorme Products marks a strategic move towards consolidation and improved service capabilities amidst a soft market for the mattress industry.

Today's blockchain and crypto news Bitcoin is up slightly at $62,773 Ethereum is down slightly at $1,795 BNB is down slightly at $569 ROAD to Housing Act becomes law Analysts like Strategy's recent cash play HMRC will introduce “no gain, no loss” treatment for some crypto lending Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we'll focus on the 21st Century Road to Housing Act, which is an affordability-focused bill approved by Congress. We welcome Derek Smith, a partner specializing in real estate tax and opportunity zones, and Cecilia Farris, a senior consultant with grant-managed services, to share their insights on what the proposals are, how you could plan for them, and how they may impact you.

This week on the Mondays show Han Solo is back and we're going through some news from the last month or so.  Some really super interesting items to share in news format from what's in the ROAD to Housing Act that recently passed, night time transportation, the difference between Costco and Amazon logistics, and what makes an authentic place.  There's much much more so how about diving in? News Items Inside the ROAD to Housing Act: Bipartisan Policy Center Mobility wallet - Journal of the American Planning Association Night transit - ITS International Future prime minister bus man - New York Times Costco's model - Pheonomenal World Authentic neighborhoods - Harvard Gazette Bonus Extra Items Salamander crossing - Grist Transit deserts and food deserts - The Guardian Speed cameras - SF Examiner Riding the D - The Guardian Highway lobby hard to push back - Union of Concerned Scientists New Mexico child care - The Guardian Short flights more expensive, less available - NPR Young people need own spaces - ERR How traffic makes cities warmer - The Conversation A new approach to planning with less car traffic - Potsdam Institute for Climate Impact Research Tire particles - Yale e360  Procurement matters - Eurocities Fungal network - Grist Colorado EV recycling - The Drive Dance influenced ped mall - CVille Magazine Mayor's parking meter deal - Block Club Chicago Hanoi low emissions zones - Vietnam Investment Review +++ Many thanks to Bob Nanna for our intro/outro music. Get the show ad free on Patreon! Find out about our newsletter and archive on YouTube! Follow us on Bluesky, Threads, Instagram, YouTube, Flickr, Substack ... @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com    

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about mortgage rates amid inflation week and an escalation in Iran. Related to this episode: Can mortgage rates survive hawkish Fed talk during inflation week? HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: Trump didn't sign it, but the 21st Century ROAD to Housing Act is now law JMG brings $5.9B brokerage platform to Keller Williams RealTrends Verified City Rankings reveal where top agents and teams are building scale New policy impact may ignite a manufactured housing blue-sky era Data centers emerge as real estate's newest pricing wildcard Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

President Trump on Friday said he will not sign the 21st Century ROAD to Housing Act, which passed with overwhelming bipartisan support, because of the Senate's refusal to pass the SAVE America Act. Trump described the Senate's failure as “CRAZY,” further demanding that the Senate terminate the filibuster and pass it, along with “every other Bill that true Republicans have ever dreamt of,” before it's too late.Sponsor:My PillowWww.MyPillow.com/johnSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

President Donald Trump announced Friday that the U.S.–Iran ceasefire is over. The president says his administration will continue to hold more talks with Tehran amid the flare-ups in the Middle East, despite suggesting that the regime may not be worthy of a deal. Trump also announced that he will not sign the 21st Century ROAD to Housing Act in protest of the Senate not passing the SAVE America Act.The Department of Homeland Security says Tou Lue Vang, an illegal immigrant from Laos, was set to be deported before receiving a pardon last month from Minnesota officials. Secretary of State Marco Rubio stepped in to revoke the legal status of Vang, a child sex offender who was convicted of repeatedly sexually abusing a 10-year-old girl, and deported him immediately, according to a DHS press release.Eight men were indicted on conspiracy charges over their alleged involvement of a planned attack at the UFC Freedom 250 event held at the White House in early June. According to a press release by the DOJ, all eight individuals were charged in two separate conspiracies on murder and terrorism.

Learn what's in a rare bipartisan housing bill in Congress, then find out whether a credit card payment plan beats buy now, pay later. Why did a housing bill with overwhelming bipartisan support suddenly stall on the president's desk? Hosts Sean Pyles, CFP©, and Elizabeth Ayoola are joined by senior news writer Anna Helhoski, and mortgage writers Abby Badach Doyle and Kate Wood to unpack the 21st Century ROAD to Housing Act. It's a nearly 400-page bill designed to ease the national housing shortage by cutting federal red tape around permitting, expanding small-dollar mortgages, limiting large institutional investors from buying more single-family homes, and creating incentives — not mandates — for local governments to build more housing, including manufactured homes and accessory dwelling units. Then, Sean and Elizabeth are joined by credit cards Nerd and NerdWallet spokesperson Sara Rathner to help a listener named Emma decide how to pay off a large purchase without draining her savings. They walk through how to compare the fees on a credit card issuer's payment plan against your card's regular APR, how these plans differ from third-party buy now, pay later services, and whether either option can help — or hurt — your credit score. Locked Out: 3 Outdated Myths About Manufactured Homes: https://www.nerdwallet.com/mortgages/news/locked-out-manufactured-homes-affordable-housing-crisis Best 0% APR Credit Cards of July 2026: https://www.nerdwallet.com/credit-cards/best/zero-percent Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/ Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to our monthly feature Unpopular Real Estate Opinions with Chris Linsell. In this episode Chris and DJ unpack the proposed 21st Century Road to Housing Act, exploring how it could boost housing supply, improve affordability, and why its delay has become a major issue for the real estate industry. They also examine the growing influence of institutional investors, the challenges of inventory shortages, and how streamlining permitting could accelerate new home construction. Finally, Chris discusses how AI is reshaping home search, what that means for platforms like Zillow, and why the most successful agents of the future will be those who position themselves as trusted lifestyle advisors and expert problem-solvers. Please check Chris' profile on LinkedIn. If you'd prefer to watch this interview, click here to view on YouTube! This episode is brought to you by Real Geeks and Courted.io.

With voters focused on prices and the economy, our Head of Public Policy Research Ariana Salvatore and U.S. Thematic Strategist Michelle Weaver discuss the consumer trends that could matter most heading into November's elections.Read more insights from Morgan Stanley.----- Transcript -----Ariana Salvatore: Welcome to Thoughts on the Market. I'm Ariana Salvatore, Morgan Stanley's Head of Public Policy Research. Michelle Weaver: And I'm Michelle Weaver, Morgan Stanley's U.S. Thematic Strategist. Ariana Salvatore: Today, we'll be talking about the consumer and what recent data could imply for the midterm elections. It's Wednesday, July 1st at 10am in New York. Last week, Mike Zezas and I caught up on the consumer while he was down at our Consumer Captains Conference. This week, Michelle, I want to talk to you about what your data are saying and get into the implications of all of this for the midterm elections. So, maybe we start with the AlphaWise data. What are our surveys picking up when it comes to how the consumer feels about the outlook in the aggregate? Michelle Weaver: We run a monthly proprietary survey of around 2,000 U.S. consumers, and it's diversified by age, gender, and region, and we ask questions around sentiment, spending plans, and other special topics. Our survey recently showed a continued gradual recovery in consumer confidence in the U.S. economic outlook. We're not off to the races by any means, but we did see the net outlook score improve to -10 percent, up from -14 percent a month ago and a low of -18 percent two months ago, when concerns around oil prices were at their peak. Overall, more consumers feel negatively about the economy versus positively, hence that net score is negative. But we are seeing signs of improvement, so things are improving on a rate of change basis. Ariana Salvatore: That makes sense given the MOU that was signed between Iran and the U.S. Now, looking forward, what does the survey tell us about spending plans? Michelle Weaver: Broadly, consumer spending plans remain stable. They expect to spend more on essentials categories. This includes things like groceries, gas, and household items, while they're expecting to spend less on discretionary categories. We saw the weakest spending intentions within the consumer electronics category, and consumers are not likely to see much price relief in that category. Many consumer electronics makers are now taking their prices up because of the high price of memory chips that goes into those products. Ariana Salvatore: One of the most important components of the survey is the question that you ask on top areas of concern. What are you guys seeing there? Michelle Weaver: Inflation is still the number one concern for consumers, and we actually saw the percent of consumers citing it among their top concerns tick up again last month. So, now that's at 60 percent, up from 59 percent last month, and a low of 53 percent in January. People are also worried about the U.S. political environment. That was cited by 42 percent of consumers, up from about 39 percent last wave. Concern around geopolitical conflicts rounds out the top three, but that level's been pretty stable around 25 percent. But Ariana, can consumers expect any relief on prices from the policy front? Consumers got a nice boost from tax refunds. Is there anything else in the pipeline? Ariana Salvatore: So, we've gotten this question a lot into the midterm elections, and our view is basically that there are a number of obstacles in the way of something like another reconciliation package to give direct stimulus to consumers, whether that's procedural, whether it's the political perception. One of the most important is actually the deficit concerns, right? So, we don't expect something additional for the consumer through the legislative angle, aside from what we've already seen, like the Road to Housing Act. And that's also against a backdrop of what we've been seeing on the economic side and what your data is reflecting, which is that the consumer sentiment metrics are actually ticking up slightly from their lows. And that, of course, maps directly onto what our U.S. econ team has been saying. Their view is that the consumer story in 2026 has turned more neutral. Real consumption growth is still expected to decelerate to about 1.7 percent. That's below last year, but again, not falling off a cliff. The core dynamic is that the One Big Beautiful Bill Act had this fiscal boost from last year, tax refunds running about 17 percent higher year-over-year, but the oil shock basically mitigated that and essentially neutralized the fiscal impulse. But that's not hitting everybody equally. Goods spending tends to bear the brunt. Our econ team estimates that the oil shock takes 30 basis points off consumption entirely from goods rather than services. Low- and middle-income households are most exposed since energy makes up over 8 percent of spending for the bottom income quintile versus under 5 percent for the top. And that broadening out story from just the high-income consumer driving spending is probably going to be a little bit delayed just given the oil shock.But maybe let's drill in a little bit more on that income bifurcation. How does that manifest in your view across spending intentions? Michelle Weaver: Mm-hmm. Overall, short-term spending intentions – so spending plans over the next month – are net +20 percent this month. That's still above the historical average of around +16 percent, but it is down somewhat from 23 percent last month. And the divergence is really driven by income. Upper-income consumers remain meaningfully more optimistic, while lower-income households are still under stress. So, we're still seeing the K economy very much in place. And the economy and inflation are almost always top issues for voters. How are you expecting the dynamics we've been talking about to impact the midterms? Ariana Salvatore: So, data are showing an uptick, obviously, which should on net benefit Republicans all else equal, albeit off a low base. And that's because there are other data points to consider here. So, things like the generic ballot, things like historical precedent, things like the presidential favorability ratings – all of those things are painting a more constructive backdrop for Democrats heading into November. But also, to put a finer point on it, we're seeing the AlphaWise data that you're citing reflected across other surveys as well. So, we saw the UMich data from last week show the year ahead inflation outlook drop to 4.6 percent from 4.8 percent. And of course, that's a reflection of the expectation that gas prices are going to moderate into November too. Now, on that front, it's about rate of change, right? So, not the absolute level. But again, I would just remind our listeners that this is one factor in the context of many. So, net-net, we definitely still see a slight advantage for Democrats heading into November, especially when we drill into some of the trends that we've been seeing across the primaries. Michelle Weaver: And what are some of those trends you've been picking up from the primaries? Ariana Salvatore: So, the first thing I would say is that we're cautious to extrapolate too much from primaries to the general election, but really maybe two key points here. The first is turnout seems to be an early indicator in favor of Democrats. So, enthusiasm is up. We're seeing more participation and more engagement relative to prior elections. The second point I would make is that the primaries have been showing a mixed bag in terms of candidates for November. So, in some states like New York and Colorado, you saw more progressive candidates win their races. And all else equal, that could translate to more of what we call a fragile instead of a cohesive majority come November. So, think more political noise around fiscal deadlines, things like appropriations and the debt ceiling. But of course, we still have less than 50 percent of the primaries, so plenty to watch heading into the fall. Michelle, thanks for taking the time to talk. Michelle Weaver: Thanks for having me. Ariana Salvatore: And thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Congress just passed the biggest housing bill in 36 years — the 21st Century ROAD to Housing Act — with veto-proof majorities in both chambers. The Senate passed it 85 to 5. The House passed it 358 to 32. Then Trump canceled the signing ceremony at the last second.In this episode, Sam and Lucas break down every major piece of the bill — including the new cap on institutional investors (goodbye, BlackRock buying up your neighborhood), the Build Now Act, NEPA streamlining, community banking reform, and the manufactured housing unlock.More importantly: what does this bill actually mean for the small and mid-sized real estate investor? Sam gives his honest take on why this bill is a net positive for regular investors like you — and why Wall Street is quietly panicking.Plus: World Cup shockers, NBA off-season heat, and where the smart money is going next.Want the playbook to build your rental portfolio? www.freerentalwebinar.comWant to use my lenders for your deals?www.fasterfreedomcapital.com

This week, Emily Bazelon, John Dickerson, and David Plotz discuss Tuesday's NY congressional primaries won by three Mamdani-backed democratic socialists and what they could mean for the Democratic Party, two new Supreme Court immigration rulings siding with the Trump administration, and the ongoing Reflecting Pool debacle as the symbol of a presidency of obsessive ego and shiny objects.For this week's Slate Plus bonus episode, Emily, John, and David discuss a rare bipartisan win, the 21st Century ROAD to Housing Act, its numerous provisions which aim to help ease the nationwide housing crisis, and how this victory rapidly shifted into a different kind of crisis when Trump abruptly announced he wouldn't sign the bill unless the SAVE Act passes. In the latest Gabfest Reads, Emily Bazelon talks with Senator Chris Murphy about his new book, Crisis of the Common Good: The Fight for Meaning and Connection in a Broken America. Murphy lays out a provocative agenda for Democrats to call Americans to national service, break up corporate power, rebuild local communities, and create a bigger tent that reaches disaffected conservatives hungry for change. Email your chatters, questions, and comments to gabfest@slate.com. (Messages may be referenced by name unless the writer stipulates otherwise.) Podcast production by Nina Porzucki Research by Emily DittoYou can find the full Political Gabfest show pages here. Want more Political Gabfest? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Political Gabfest show page on Apple Podcasts and Spotify. Or visit slate.com/gabfestplus to get access wherever you listen. Find out more about David Plotz's monthly tours of Ft. DeRussy, the secret Civil War fort hidden in Rock Creek Park. Follow@SlateGabfest on X / https://twitter.com/SlateGabfestSlate Political Gabfest on Facebook / https://www.facebook.com/Gabfest/Need to set up your Slate Plus feed? If you subscribed through Slate.com, check out our FAQ at slate.com/podcastfaqs for easy instructions. Members subscribed via Apple Podcasts get automatic access—no setup required. Hosted on Acast. See acast.com/privacy for more information.

This week, Emily Bazelon, John Dickerson, and David Plotz discuss Tuesday's NY congressional primaries won by three Mamdani-backed democratic socialists and what they could mean for the Democratic Party, two new Supreme Court immigration rulings siding with the Trump administration, and the ongoing Reflecting Pool debacle as the symbol of a presidency of obsessive ego and shiny objects.For this week's Slate Plus bonus episode, Emily, John, and David discuss a rare bipartisan win, the 21st Century ROAD to Housing Act, its numerous provisions which aim to help ease the nationwide housing crisis, and how this victory rapidly shifted into a different kind of crisis when Trump abruptly announced he wouldn't sign the bill unless the SAVE Act passes. In the latest Gabfest Reads, Emily Bazelon talks with Senator Chris Murphy about his new book, Crisis of the Common Good: The Fight for Meaning and Connection in a Broken America. Murphy lays out a provocative agenda for Democrats to call Americans to national service, break up corporate power, rebuild local communities, and create a bigger tent that reaches disaffected conservatives hungry for change. Email your chatters, questions, and comments to gabfest@slate.com. (Messages may be referenced by name unless the writer stipulates otherwise.) Podcast production by Nina Porzucki Research by Emily DittoYou can find the full Political Gabfest show pages here. Want more Political Gabfest? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Political Gabfest show page on Apple Podcasts and Spotify. Or visit slate.com/gabfestplus to get access wherever you listen. Find out more about David Plotz's monthly tours of Ft. DeRussy, the secret Civil War fort hidden in Rock Creek Park. Follow@SlateGabfest on X / https://twitter.com/SlateGabfestSlate Political Gabfest on Facebook / https://www.facebook.com/Gabfest/ Hosted on Acast. See acast.com/privacy for more information.

Americans are stretched thin and you probably know why: Housing. It's become increasingly, persistently unaffordable, and for many, simply out of reach. Americans are moving less, are forming fewer households and are spending too much of their income on housing according to an annual report just released by Harvard. Will Trump end up signing the 21st Century Road to Housing Act now on his desk and if he does, will it make housing any more affordable? Francis Torres, Director of Housing & Infrastructure for the Bipartisan Policy Center, joins The Excerpt to share his analysis of the crisis.Let us know what you think of this episode by sending an email to podcasts@usatoday.com. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

President Trump is having lunch on Capitol Hill today with Senate Republicans, after four GOP senators broke with him to advance a resolution pushing to end the war with Iran and Trump's clashes with Majority Leader John Thune over the filibuster, voter ID, and the president's handling of the war with Iran.Congress passed the largest housing bill in decades last night with strong bipartisan support, aiming to make homeownership more attainable by cracking down on corporate investors buying single-family homes.And in New York, democratic socialist candidates scored big wins in congressional primaries, including upsets backed by Mayor Zohran Mamdani, raising new questions about how far left the Democratic Party will go as it tries to retake the House in November.Want more analysis of the most important news of the day, plus a little fun? Subscribe to the Up First newsletter.Today's episode of Up First was edited by Jason Breslow, Kara Platoni, Padma Rama, Mohamad ElBardicy, and Olivia Hampton.It was produced by Ziad Buchh and Nia Dumas.Our director is Christopher Thomas.We get engineering support from Neisha Heinis. Our technical director is Carleigh Strange.And our Supervising Producer is Reena Advani.(0:00) Introduction(01:57) Trump Vs Thune(05:42) Road To Housing Act(09:24) Democratic Socialist Win In New York Primaries See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy