Housing Market Issues - The housing market is fundamentally broken [1] - First-time homebuyers are now buying at 40 years old, an increase from 33 in 2020 [1] - Monetary inflation in the last 5 years has stolen 7 years of homeownership [1] - Homes are viewed as investments rather than shelter [2] Proposed Solution & Monetary Policy - Current debt-based monetary system needs to stop printing money [1] - Owning Bitcoin is presented as a logical solution to affordability issues [1] - Bitcoin demonetizing real estate will fix the issue of homes as investments [2]

Housing Market Analysis - The housing market is fundamentally broken [1] - The average age for first-time homebuyers has increased from 33 in 2020 to 40 [1] - Monetary inflation in the last 5 years has effectively added 7 years to the time required to achieve homeownership [1] Investment Perspective - Homes are increasingly viewed as investments rather than primary shelter [1] - Bitcoin demonetizing real estate is proposed as a solution to fix the broken housing market [1]

I want to talk about the top issue for voters in last week's election and I would say most elections, the economy, affordability, and housing. Now, for millions of Americans, buying a home is financially out of reach. Today, this number might surprise you.The average age of a firsttime home buyer is a record high, 40 years old. That is why President Trump says he is proposing what his administration is calling quote a complete gamecher. A 50-year fixed rate mortgage.So, what does that actually mean for you. ...

Market Trend - The Trump administration is developing a plan for a 50-year mortgage to improve homeownership affordability for Americans [1] Risk Assessment - Mortgage analysts advise caution regarding the introduction of a 50-year mortgage [1]

Core Insights - The Coldwell Banker 2025 American Dream Report reveals that 71% of aspiring homeowners are delaying major life decisions until they can afford to buy a home, indicating a significant impact on family life and the economy [1][3]. Homeownership Trends - Homeownership remains central to the American Dream, with 56% of Americans stating it represents their personal vision of the American Dream, surpassing other milestones like marriage and career success [7]. - Among aspiring homeowners, 84% of Gen Z (ages 18-28) are postponing life decisions, with 29% delaying having children until they can afford a home [2][6]. Financial Perspectives - A majority of Americans (65%) believe that homeownership is a smarter long-term financial decision compared to renting, and 48% view real estate as a better wealth-building tool than the stock market [5]. - Nearly two-thirds (63%) of non-homeowners express a desire to purchase a home within the next five years, with 70% of Gen Z and 72% of Millennials sharing this sentiment [9]. Creative Solutions for Affordability - Many Americans are making concessions to navigate housing affordability, with 42% willing to take on side jobs and 35% considering moving to more affordable areas [5][13]. - 36% of individuals have considered co-buying with family to achieve homeownership, highlighting a trend towards collaborative purchasing [13].

Core Insights - The report highlights that VA loans enable U.S. Veterans to achieve homeownership significantly faster than conventional loans, with a 0% down payment allowing first-time buyers to move in approximately 4.4 years sooner [1][2][3] VA Loan Utilization and Benefits - 74% of first-time VA loan users make a 0% down payment, compared to a 12% median down payment for conventional buyers, which translates to a substantial upfront cost saving of about $51,600 on a typical $430,000 home [2][3] - VA loans can help first-time buyers enter the housing market and start building equity years earlier, with the time to accumulate a conventional down payment stretching to 6.6 years at a 10% savings rate, while a 20% rate reduces it to 3.3 years [3] Regional Variations in VA Loan Utilization - Across various U.S. metro areas, VA loans can reduce the time to homeownership by 2.7 to 10 years, with the most significant benefits seen in high-cost areas like Los Angeles, where it can be up to 10 years sooner [4][5] - High-cost markets such as Los Angeles, San Francisco, and New York show low VA loan utilization due to high home prices, co-op restrictions, and limited awareness of the benefits [5][6] Awareness and Accessibility Challenges - Approximately one-third of Veterans and active-duty service members are unaware that they can purchase a home with no money down, indicating a significant awareness gap [8][9] - The Mission Zero campaign aims to close this awareness gap, ensuring that more Veterans understand and can utilize their VA loan benefits [9][10] High Utilization Areas - Areas near military bases, such as Virginia Beach and Colorado Springs, exhibit high VA loan utilization rates of 42.1 and 43.1 per 1,000 military households, respectively, reflecting better awareness of the program [7][8] - Conversely, markets with fewer military households, like Salt Lake City and Fresno, show lower utilization despite the potential financial benefits [7]

RT Auron MacIntyre (@AuronMacintyre)The politics that allows the people of my country to raise kids and buy a home on a single incomeEverything else is smoke and mirrors ...

As housing remains scarce, pricey, and out of reach, the share of first-time home buyers has hit an all-time low. Just 21% of buyers were first-timers in the 12 months ending June 2025, the National Association of Realtors said in its 2025 Profile of Home Buyers and Sellers, released Nov. 4. That’s only about half the long-time average share of 38% in records going back to 1981. Meanwhile, the average age of the first-time buyer rose once again, to 40. "The implications for the housing market are stagge ...

Core Viewpoint - A survey indicates that 94% of Americans view homeownership as part of the American dream, but real estate mogul Grant Cardone argues that owning a home is a poor investment compared to renting and investing in other assets [1][2]. Group 1: Homeownership vs. Renting - Bankrate analysis shows that buying a home is 37% more expensive than renting, making renting the cheaper option across all major U.S. metros [2]. - Cardone suggests that individuals should forgo homeownership, save the cost difference, and invest in assets that yield better returns [2]. Group 2: Rental Properties - Cardone advocates for owning rental properties, stating they generate cash flow, provide tax advantages, and appreciate over time, making them a superior investment compared to personal homes [3]. - The average gross rental yield in the U.S. for Q3 2024 is reported to be 6.1% [3]. Group 3: Mogul Investment Platform - Mogul is a real estate investment platform that offers fractional ownership in high-quality rental properties, allowing investors to earn monthly rental income and enjoy tax benefits without large down payments [4]. - The platform's properties are selected from the top 1% of single-family rental homes nationwide, providing institutional-quality investment opportunities at a fraction of the usual cost [4]. Group 4: Investment Returns - Each property on the Mogul platform is vetted to ensure a minimum 12% return even in downside scenarios, with an average annual IRR of 18.8% and cash-on-cash yields averaging between 10% and 12% annually [5]. - Investments typically range from $15,000 to $40,000 per property, with offerings often selling out in under three hours [5]. Group 5: Security of Investments - Investments are secured by real assets, with each property held in a standalone Propco LLC, ensuring that investors own the property rather than the platform [6]. - The use of blockchain-based fractionalization provides an additional layer of safety, creating a permanent and verifiable record of each investment stake [6].

RT X (@XaviercMiller)You don’t see neighborhoods like this anymore because most young parents don’t own homes. Less than 5% of mortgage holders are under 30 in major metros, and the average homeowner is over 50.That’s why most neighborhoods or suburbs feel empty, they’re owned by older people whose kids are grown, while younger families are renting apartments & priced out of the communities. ...