I think it's very telling who wants exposure to home ownership post crisis: (PE/HF via single family rentals, now VC). Absent: avg Americans
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also many choosing to rent in areas they couldn't afford to buy in (multifamily housing boom!)
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Yes &no. Mortgage credit is tighter than '06 but rightly so!That being said, 3% down programs through GSE's available
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620 min fico 3 -3.5 percent down and 43 percent debt to income ratio, no tight lending
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agree. or can't field competitive offers for scarce inventory because they need more financing.
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Assume Point takes off: won't increasing capital access to housing simply inflate prices?
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my first home loan in 1991 was 8% and I lost money selling 8 years later. Affordability is better now.
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