Real Estate Collapsing Could Be A Good Thing

As I mentioned in greater detail in my previous post: https://austinproinvesting.com/why-the-stock-market-could-fall-further/ the federal reserve rate hikes are crushing asset prices. Higher borrowing costs are forcing people to be more conservative with their money and take less ricks. These rates effect real estate prices in particular because they determine how much the monthly interest payments will be on mortgages of new homes sold (or if you have an adjustable rate mortgage, the home you currently own).

When rates were near zero it was possible for someone with a very small income to purchase a house they previously could never afford because the monthly interest payments on that home were laughably small. The house may have cost a fortune but they barely had to pay on it. Now however, in the fed’s mission mission to crush inflation in all prices including housing, the payments on mortgages are too much for new homeowners to handle. Less houses being bought equal lower prices, the inflation in housing going away.

Now if you’re a real estate agent then yes, this is bad for you, no way to sugar coat it. However this is good for young people that haven’t bought their first home yet. While you could previously get a home at a low interest rate and afford it, the buy price of the house was inflated because of those interest rates. Now with high interest rates pushing prices down young people can wait for the big sell off then buy in. While the interest rates at first will sting, you got the house at a lower buy price. Once the fed reverses course and starts cutting rates you can readjust your rates lower, then have a house you bought at a low price with low monthly interest rates. A clear win for first-time homebuyers.

Also investors with spare capital can buy up homes at a low price, then rent them out and flip them. Personally I don’t believe that the bear market in real estate prices is over, but once it ends it could be an interesting opportunity. Housing aside though, whenever there’s a crisis someone benefits. You can complain about it and do nothing, or you can position yourself to benefit from it. Personally I’ll be watching the real estate collapse unfold and be looking for my own opportunity.

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