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Cash-on-Cash Return Explained
How annual cash flow measures income reliability for equity investors.
The Fair Housing Act Explained
How fair housing rules shape screening, policies, and operational risk for property owners.
Internal Rate of Return (IRR) Explained
How timing, leverage, and refinancing change IRR and its usefulness in underwriting.
Explaining The AI Infinite Money Glitch
An analysis of the circular spending patterns between Oracle, NVIDIA, AMD, and OpenAI, and why this AI infrastructure boom could unwind if end-user demand doesn't materialize.
End The Fed? Why Calls to Cut Rates Miss the Point
Data-driven analysis showing how mortgage rates are primarily driven by 10-year Treasury yields and market expectations, not Fed policy rates.
Gold At The Crossroads
Analysis of gold's rise as a scoreboard for systemic dysfunction: Fed policy failure, fiscal unsustainability, and erosion of central bank independence.
CRE Distress & Bank Exposure: A Slow-Moving Crisis
Examining the growing stress in commercial real estate and its impact on regional banks, with office vacancies doubling and $1.2 trillion in debt maturing by 2027.
Debt-to-GDP Explained
An exploration of the debt-to-GDP ratio as a key indicator of national fiscal health, examining its implications for the United States and global economies.
How Interest Rates Impact Real Estate
Interest rates shape debt service costs, valuation, and liquidity timelines in property markets.
Current State of the U.S. Housing Market
The ratio of home buyers to home sellers has reached a historic low of 0.73, driven by unprecedented mortgage rate increases, surging home prices, and rising insurance costs that have fundamentally reshaped housing affordability.
Rise in Public Ownership
Intel's groundbreaking CHIPS Act deal marks the first time federal semiconductor funding has resulted in direct government ownership of a major U.S. corporation, potentially signaling a new era in American industrial strategy.
How Can We Balance The Budget?
Data-driven analysis of deficit solutions showing spending up, revenue flat, GDP growth down, requiring 8.4% spending cuts and 3.8% revenue increases to match 1980s levels.
Cycles in Real Estate
Why real estate cycles form, how credit and liquidity drive them, and why outcomes vary by asset and strategy.
Tariffs: Everything You Need to Know
A comprehensive analysis of tariffs, their history, impact on the US economy, and current policy proposals with insights from leading economists.
Break-Even Occupancy Explained
Why break-even occupancy is a practical survivability test for early-year cash flow.
Eviction Laws by State
How eviction rules shape cash-flow risk, operating costs, and underwriting assumptions across markets.
Do Rate Cuts Always Lead to a Lower 10-Year Treasury Yield?
Examining why Fed cuts 75 bps yet 10-year Treasury climbed from 3.6% to 4.3%, exploring fiscal dominance and bond vigilante risks.
The U.S. Housing Affordability Crisis: When Things Might Change
Deep dive into housing affordability showing only 21% of listings affordable for households earning $75-100K, with Fair Value Variable matching early 1980s crisis levels.
A Signal of Dystopian Wealth Concentration
Analysis of the One Big Beautiful Bill Act and its systematic transfer of wealth from poor to rich, accelerating plutocratic capture of democratic institutions.
Is The U.S. National Debt a Problem?
Analysis of debt-to-GDP dynamics showing deficit spending exceeding GDP growth, with CBO projecting One Big Beautiful Bill adds $2.4 trillion over decade.