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The Number of American High-School Graduates Just Peaked. Then the College Town Gets 15 Years of Decline.

The Number of American High-School Graduates Just Peaked. Then the College Town Gets 15 Years of Decline.

The "demographic cliff" is usually told as a story about colleges closing. It's also a housing story — and five states account for three-quarters of the drop.

Jul 9, 2026

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3 min read

Wall Street Used to Buy the Starter Home. Now It Builds It — and Never Puts It Up for Sale.

Wall Street Used to Buy the Starter Home. Now It Builds It — and Never Puts It Up for Sale.

Built-for-rent single-family starts hit an all-time high and now hold a share they never reached before 2022. The entry-level house is being born as a rental — and that changes who ever gets to own one.

Jul 8, 2026

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3 min read

Cities Are Converting Offices to Apartments at a Record Pace. It's Still a Rounding Error.

Cities Are Converting Offices to Apartments at a Record Pace. It's Still a Rounding Error.

90,300 units are in the conversion pipeline — up 28% in a year. Here's why that number is both a real turn and far too small to rescue the office tower or fix the shortage.

Jul 7, 2026

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3 min read

Half the Country Is Wearing Golden Handcuffs. That's Why Nothing's For Sale.

Half the Country Is Wearing Golden Handcuffs. That's Why Nothing's For Sale.

53% of mortgaged homeowners hold a rate below 4%. Moving means doubling their payment — so they don't, and the whole market stays frozen.

Jul 2, 2026

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3 min read

$1.26 Trillion in Commercial Loans Comes Due. "Extend and Pretend" Just Ran Out of Road.

$1.26 Trillion in Commercial Loans Comes Due. "Extend and Pretend" Just Ran Out of Road.

$1.26 trillion comes due into double the interest rate — but it isn't one wall. Trophy office is setting records while commodity office quietly defaults.

Jul 1, 2026

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3 min read

Your Lender Is About to Stop Sending an Appraiser. A Model Will Decide What Your House Is Worth.

Your Lender Is About to Stop Sending an Appraiser. A Model Will Decide What Your House Is Worth.

AVMs are quietly replacing the human appraisal on a growing share of loans — faster, cheaper, and with a failure mode nobody's pricing in.

Jun 30, 2026

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3 min read

24% of U.S. Office Space Is Empty. Guess Who's Covering the Tax Shortfall.

24% of U.S. Office Space Is Empty. Guess Who's Covering the Tax Shortfall.

Office buildings lost hundreds of billions in value. Cities haven't reassessed yet. When they do, the math lands on residential homeowners.

May 21, 2026

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3 min read

32 Million Homes Are About to Change Hands. They're Headed to the Wrong Cities.

32 Million Homes Are About to Change Hands. They're Headed to the Wrong Cities.

Baby boomers own a third of U.S. housing. As they age out, the supply wave will flood retirement corridors — and miss the cities where buyers are desperate.

May 20, 2026

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3 min read

The Home You're Saving For Just Got $10,900 More Expensive

The Home You're Saving For Just Got $10,900 More Expensive

Tariffs added $10,900 to a typical U.S. home. Three cities just rewrote their zoning. Where you buy or rent in the next 18 months matters more than ever.

May 14, 2026

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3 min read

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