The lock-in effect isn’t theoretical anymore. We can now quantify exactly how many homeowners are trapped by their mortgage rates, and the numbers explain why rental inventory stays tight while home sales languish. Over 30% of homeowners now carry mortgage rates above 5%. About 20% are paying over 6%. Four years ago, barely 10% of…
Last week’s winter storm did more than knock out power and close schools. It revealed something we’ve been tracking for months: the 2025 homebuying market runs on razor-thin margins where a single week of bad weather can crater mortgage applications by 14%. Here’s what happened while buyers stayed home sipping hot chocolate. The Numbers Tell…
The data is stark: Bank of America and Wells Fargo are systematically replacing human workers with AI, and Charlotte’s 46,590 banking jobs are directly in the crosshairs. This matters for one reason: your residents work at these banks. When white-collar layoffs accelerate, your Net Operating Income takes the hit first. The Numbers Don’t Lie Bank…
The rental market just delivered its clearest signal yet: we’re now four years into a sustained pricing correction. January 2026’s national median rent dropped to $1,353, down 1.4% year-over-year and marking the lowest January figure since 2022. More critically, the national vacancy rate hit 7.3%, a record high since tracking began in 2017. Here’s what…
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