1/29/2026 No Housing Crash in the Horizon

This topic has 7 replies, 3 voices, and was last updated 3 weeks, 5 days ago by Daystalker.

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- January 29, 2026 at 7:34 pm #9299
  BigBalls
  Participant
  For those of us waiting for a crash to scoop up properties at bargain prices, it ain’t happening. Looks like this Republican administration is committed to holding prices up and likely inflating them some more. How are they going to do that? One way is by lowering interest rates which will allow more people to buy but at the higher prices and allow current homeowners with higher rates to refinance and lower their payment. But that’s not all, the biggest way to prevent a crash is to place foreclosure moratoriums on lenders. Meaning even when borrowers can’t or won’t make their payments the lender can’t foreclose on them. We saw this take place during Covid, all a borrower had to do was call their servicer and without having to provide proof say they were impacted by Covid and couldn’t make their payments. The lenders were then obligated to let them skip payments with no consequence. You can only imagine the abuse. Many borrowers went 2-3 years without making a house payment and at the end of those years the back payments were just rolled into the loan. Crazy.
  
  I buy delinquent mortgages at deep discounts and foreclose on people that don’t pay. Naturally , I don’t like this at all. I’m probably old fashioned but I think people should make their house payments or lose the house. I also don’t like government interference or regulation in business and believe in a free market, but that makes me a liberal in today’s world.
  The median age of today’s homebuyer is 59. I bought my first house at 24 for $147k. Those days are gone. My kids both make over a $100k a year but can’t qualify for anything more than a $525,000 house. They would have to move to a shethole state to afford a house.
  
  So much more to say but this post is already too long.
  
  History of home prices going back to 1942
  - This topic was modified 3 weeks, 6 days ago by BigBalls.
- January 30, 2026 at 4:14 pm #9312
  
  RWC
  Participant
  
  Hey thanks for the housing news , I got excited there will be no housing crash but I don’t like the part about government interference in business where the results usually don’t turn out well. You’re right about Free markets. Look what happened to the railroad industry in the late 1800’s when the government began stepping in with all their regulation. It really screwed up competition.
  
  So here we are with another administration sticking their nose into the wrong business instead of just focusing on keeping us safe, and managing the Country. Grateful I’m not a young kid trying to buy my first house, good luck with that right? I guess stay tuned until your next update.
  - January 30, 2026 at 6:06 pm #9334
    
    BigBalls
    Participant
    
    I have mixed feelings about a crash. I did really well in the last one 2009-2014. I didn’t know it at the time but I played it really well. 1) Bought short sale properties and flipped them at first then bought and kept them in a portfolio after the first 2 years. Homerun. 2) bought non performing loans at 50 cents on the dollars, worked thru loan modifications with the borrowers and sold the loans, homerun.
    I misplayed the 91-98 crash because I was running a mortgage company and was focused on originating loans rather than buying properties. After the price run up of 98-05 I told myself I would buy properties on the next crash, it worked out great.
    In the last crash Obama tried to save homeowners too by forcing lenders to do loan mods instead of foreclosing but the wave was too big. Millions lost their home anyways. There is only so much the government can do.
    Since I’m a buyer of real estate and not a seller a price crash would help me. Flip side is I’m also a lender. I originate and fund real estate loans and I also buy non performing loans. A price crash would hurt me with that business. That said, unless we see widespread unemployment there won’t be a crash. By widespread I mean across all industries/ sectors.
- January 30, 2026 at 8:14 pm #9340
  
  Daystalker
  Participant
  
  GOP is squandering an opportunity, nothing creates more conservatives than home ownership. The longer the youth are kept at bay, the longer they will vote for Liberal agendas.
  - January 30, 2026 at 8:41 pm #9342
    
    BigBalls
    Participant
    
    Its worse than that, Trump just said, “we are not going to destroy home values so that people that don’t work hard can own a home”.
    
    Transalation:
    
    “Yeah, you lazy fucks, the reason you don’t own a home is not because wages haven’t kept up with housing inflation its because you’re lazy and don’t work hard. Look at me , my father left me 400 million and I still have most of it”.
    
    Unbelievable. Just unbelievable.
  - January 30, 2026 at 8:45 pm #9344
    
    Daystalker
    Participant
    
    Ballss, it’s all well and good until you see four families moving into the place nextdoor.
  - January 30, 2026 at 8:56 pm #9346
    BigBalls
    Participant
    A buddy of mine is buying single family houses with large lots in Lakewood and cramming up to 4 ADU’s into the lot. No garage so the tenants have to park on the street. Neighbors flip him off when they see him. Imagine the congestion.
    
    Your post reminded me, I read of people “fleeing” California yet traffic is still heavy and home prices are still high. doesn’t make sense.
    
    This reply was modified 3 weeks, 5 days ago by BigBalls.
  - January 30, 2026 at 9:23 pm #9349
    
    Daystalker
    Participant
    
    People are fleeing, houses are being purchased to rent (or by people who move up and keep previous home to rent). There are vacancies in apartments, and houses for rent all over. It will implode, be patient.
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