Housing affordability18 min read
The payment can become affordable before the buyer can afford to buy. Two clocks, one purchase: a visual study of income, mortgage costs and the cash needed to enter.
Mortgage finance22 min read
Most mortgage borrowers are sheltered from rate resets. For some, that protection has an expiry date. A visual study of adjustable mortgages, payment caps and the household cash left over.
Rental markets17 min read
Two national headlines. One lease. What changes when we look inside the numbers? A visual study of rent estimates, concessions and the payment calendar.
Mortgage access17 min read
A low price is not a financing plan. How small mortgages, fixed costs, repairs and ownership rights shape the route into a home.
Housing demographics18 min read
Millions of homes will change hands. Whether they become homes the next generation can afford is a different question.
Real estate history80 min read
A history of shelter, ownership and the strange things we ask a home to carry.
Housing markets32 min read
More room to negotiate is not the same as more room in the budget.
AI and housing18 min read
AI is reshaping the global economy. It’s also reshaping where people live, what it costs to build, and who can afford to belong.
Simulation6 min read
A sale price is a number. A future is a branching set of chances, delays and decisions.
Liquidity7 min read
The sale that never happened belongs in the model too.
Market agents6 min read
A market is made of people whose choices alter one another.
Transactions6 min read
Follow the transaction past the congratulatory call.
Scenarios6 min read
One shock can lead to several markets. The branches tell us where a plan bends.
Strategy7 min read
What changes when the asking price becomes a sequence of choices?
Place7 min read
Two homes a few blocks apart can face very different buyers.
Volatility6 min read
A simulation for the week in which every assumption moves.
Insurance8 min read
The asking price stood still. The cost of buying did not.
Portfolio risk8 min read
Seven plausible exits can fail together when the money is needed on the same day.
Evidence8 min read
A thin market should make a forecast more candid, not more confident.
Model testing8 min read
A convincing simulation earns trust from the outcomes it did not train on.
Sale chains8 min read
One property's deadline can depend on another property's unfinished sale.
Condo finance8 min read
The buyer can afford the unit. The building can still change the route to closing.
Market evidence8 min read
One county, two measures of supply, and no stopwatch for an individual home.