About Housing + Markets
Housing + Markets is where I write about housing, credit, and how capital actually moves through real estate.
Housing is a capital markets story. You can’t understand what’s happening in residential real estate without understanding credit conditions, bank lending standards, mortgage spreads, capital flows and how policy interventions distort investment behavior. Single-family versus multifamily. Agency debt versus private credit. Construction financing versus permanent capital. These are different markets with different funding structures and they behave differently as a result.
What I cover:
How policy, credit and liquidity transmit through housing markets
What capital markets signal about where fundamentals are headed
Where we are in the cycle and what the relevant indicators actually show
The contradictions between market narratives and underlying data
How broader economic developments impact housing and how housing feeds back into the economy
Investor psychology, consensus positioning, and how capital flows respond to regime changes
Financial system plumbing—how credit actually gets allocated and what that means for different property types and market participants
For inquiries please reach out at: housingandmarkets@protonmail.com
Disclaimer
Financial Disclosure and Disclaimer
The information provided in Housing + Markets or referred to in Housing + Markets is for informational purposes only and are not intended to constitute financial, investment, legal, tax, or other professional advice. The content is prepared without consideration of individual circumstances, financial objectives, or risk tolerances, and readers should not regard the information as a recommendation to buy, sell, or hold any specific securities, investments, or financial products.
Readers of Housing + Markets are solely responsible for their own independent analysis, due diligence, and investment decisions. We strongly advise consulting qualified financial professionals or other advisors before making investment decisions or acting on any information provided in our materials.
The information and opinions provided are based on sources believed to be reliable and accurate at the time of publication. However, Housing + Markets LLC does not make any representation or warranty, express or implied, as to the accuracy, completeness, or timeliness of the information. Markets, financial instruments, and macroeconomic conditions are inherently unpredictable, and past performance is not indicative of future results.
Housing + Markets, LLC does not accept liability for any losses, damages, or consequences arising from the use of its content or reliance on the information contained therein. Readers acknowledge that investment decisions carry inherent risks, including the risk of capital loss.
This disclaimer applies globally and shall be enforceable in jurisdictions where Housing + Market, LLC a limited liability company incorporated and based in the United States, operates. Readers in all jurisdictions, including but not limited to the United Kingdom, United States, Canada, European Union, Australia, Singapore, Japan, South Korea, and Taiwan, are responsible for ensuring compliance with local laws, rules, and regulations.
By accessing or using the information provided by Housing + Markets, users agree to the terms of this disclaimer.
