Real Estate Marketing

... logo.gallery sale. Luxury Real Estate & Virtual Tours: Real estate groups use .gallery... to find domain leads eMail Marketing Best Practices for Domain Outreach... profitable sub-sectors: Fine Art, Luxury Real Estate, and High-End Photography. Leads from... to find domain leads eMail Marketing Best Practices for Domain Outreach...

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... a challenge! Geico, a railroad , real estate, and a console business, why... ago. Supply chains, studios, making marketing and retail connections, etc. Cannot...

... Intelligence (AI) & Autonomous Agents Real Estate Technology Recruitment, HR Tech &... 4- microfps.com E-commerce Digital Marketing Content Creation Technology Services Online...

... lingering affection and the very real fear that Eve might actually... and professional connections as a real estate agent that she would have... on telling me about your real objective here? Before or after... integrate them into the IPC marketing system... The Coalition are gonna...

... had resulted from investments in real estate, and that his immediate, handpicked..., concerning many years of deceptive marketing as well as discriminatory credit ... can get tense and ugly real quick with those accusations and...

Jeepnik said: Reality is strange everywhere. The Real Estate or Realty (a made up word by the way) markets aren't strange anywhere, they are always driven by supply and demand. supply and demand and marketing and banksters expanding and contracting the money supply and playing with interest rates......all the while probably making trades based on their foreknowledge.

.... When you take on any real estate, there is utility value of... the last quarter to cover marketing, salaries and bonuses. But the...

Jord said: ↑ The estate doesn't know what it's doing ... the 2000s. Some stuff the estate has done like selling off ... they've made some gaffes, the estate do ironically seem to be ... like ABBA Voyage. Mixing the real dancers with the visuals worked ... such a big budget and marketing, they could pull it earlier ...

@tkmedia Tesla has botched stuff like this before, but the real estate / property management people take the prize for being the sloppiest with names. Just a few days ago we were talking about how a real estate marketing department used 4 different variations on the name of their own property in their marketing brochure.

...for social media bios and marketing materials where space is limited. ... institutional-level leads for private equity, real estate, and infrastructure funds. Local Secretary ...to find domain leads eMail Marketing Best Practices for Domain Outreach ... brevity. These firms have high marketing budgets but prefer "insider" terminology ... to find domain leads eMail Marketing Best Practices for Domain Outreach ...

....4 billion on Sales & Marketing in fiscal 2025 while only....2 billion from Sales & Marketing. More spend is not producing... & Administrative. Consolidated finance, HR, real estate, legal, IT, and professional services...

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"Sony owns a ton of digital real estate on the Playstation dashboards to push Marathon. It's lack of marketing push to support the numbers speaks to the lack of faith from the platform holder." Told you I'm not seeing it advertised on my PS5 and you laughed.

...%. Fundraising (including public relations, publicity, marketing, events, appeals, and donor cultivation...: ~10-15% Fundraising (incl. PR/publicity/marketing): ~10-15% Sector examples (approximate averages... managing (and profiting from) their real estate holdings in the city than...

... like managing a wealthy investor's real estate. You don't buy the apartment...logical step is mastering educational marketing and scaling your link. From...to Recurring Payout: Strategies for Marketing Your Tradeify Link You do ...for a beginner is "Educational Marketing," which simply means teaching your ...these real success stories forms the backbone of reliable Tradeify referral link marketing strategies...

... was accused of misrepresenting its real estate seminars and defrauding customers. Trump... Trump's endorsement of the multi-level marketing company ACN—alleging he misrepresented...

... or artist etc. Like Australian real estate valuations it's a constantly moving... great example of exposure and marketing. They have built a maker's...

... takes a percentage of all real estate transactions. It is one of... is just hardship with better marketing. Stay here. Marry someone. Raise...

Most real estate, architecture, and design workflows still ... that unlock? For proptech and real estate teams: Instant, accurate 3D layouts... experiences, remote walkthroughs, and consistent marketing assets without waiting weeks for ...

... and what it doesn't The marketing line is short: "AI ransomware... in 7 minutes" into a real outcome. None of this is ... storage telemetry itself. 5. A real case Cliente: an Italian multinational ... weeks, zero downtime on production estate. Why this is interesting beyond ... downtime windows on the production estate. That is the kind of ...

... brand development and marketing. Real Estate Investments Melania also made strategic investments in real estate. She owned... she purchased before her marriage. Real estate investments have historically been a ...

... and what it doesn't The marketing line is short: "AI ransomware... in 7 minutes" into a real outcome. None of this is ... storage telemetry itself. 5. A real case Cliente: an Italian multinational ... weeks, zero downtime on production estate. Why this is interesting beyond ... downtime windows on the production estate. That is the kind of ...

... and what it doesn't The marketing line is short: "AI ransomware... in 7 minutes" into a real outcome. None of this is ... storage telemetry itself. 5. A real case Cliente: an Italian multinational ... weeks, zero downtime on production estate. Why this is interesting beyond ... downtime windows on the production estate. That is the kind of ...

... and what it doesn't The marketing line is short: "AI ransomware... in 7 minutes" into a real outcome. None of this is ... storage telemetry itself. 5. A real case Cliente: an Italian multinational ... weeks, zero downtime on production estate. Why this is interesting beyond ... downtime windows on the production estate. That is the kind of ...

submitted by /u/hold_it_dude to r/indianrealestate [link] [comments]

China's Real Estate Market has now crashed to a 20 year low, erasing 25% of its value. Nobody wants to hear this but this is what needs to happen in the US to fix the housing market for young people. submitted by /u/TonyLiberty to r/FluentInFinance [link] [comments]

submitted by /u/RobertBartus to r/EconomyCharts [link] [comments]

we really need to fix this market submitted by /u/Final_Plenty3221 to r/InterviewsHell [link] [comments]

I run a small agency and real estate clients humbled me fast. In most industries we talk brand, funnels, long-term nurture. In real estate? If the listing isn’t live with strong visuals in 48 hours, you’re already losing leverage. Speed > polish. We also learned agents don’t need “creative campaigns.” They need repeatable systems: listing launch videos, neighborhood reels, testimonial clips, and quick turn edits for price drops. We started building lightweight AI-assisted video workflows just to keep up with volume, especially during peak months. I used higgsfield, but the output was pretty bland Curious how other small agencies handle high-speed clients like this. I dont have the budget to hire more video editors right now, if you guys are low on budget, is it ok to ask for a timeline stretch? submitted by /u/Gold-Alternative9327 to r/smallbusiness [link] [comments]

Housing downturn could erase $20 billion of Ontario’s economy submitted by /u/mattyp93 to r/TorontoRealEstate [link] [comments]

The real estate market feels tougher than ever lately, and the old marketing tricks just don’t hit like they used to. I’m really curious, what creative things are you doing to stand out? Have you tried new social media approaches, unique open house ideas, fun video tours, or something totally outside the box that actually brought clients in? Any campaigns, tools, or little hacks that made a real difference? Would love to hear what’s working for you, let’s swap ideas and help each other stay competitive out there! submitted by /u/maranda333 to r/realtors [link] [comments]

We’ve had our home listed for a bit. Other than one terrible offer from an investor, it’s been a slow selling experience. We sold a home in 2009 during the last big crash, and that took a year. Just looking at this map - everything in blue - is a home for sale. Crazy. Almost a repeat of our prior experience in a similarly devastated economy. submitted by /u/Goddard157 to r/sanantonio [link] [comments]

Like Title says we are beginning Realtors and are wanting to create an online presence for ourselves. What do you think? submitted by /u/Own_Buy5826 to r/realtors [link] [comments]

submitted by /u/Spurgette to r/australia [link] [comments]

I am NOT OOP, OOP is u/DefinitionFamous9656 Originally posted to r/RealEstateAdvice real estate agent (and friend) won't let me see my dream home Glossary - EF: Ex-Friend Trigger Warnings: breach of professional ethics Mood Spoilers: appalling Original Post: August 20, 2025 I am torn... I've been looking for a new home, and my good friend is a real estate agent, so I signed an exclusive buyer's agent agreement with him. Seemed the right thing to do since we're friends, and I trusted him to have my back. The problem is that the perfect house just came on the market. It checks every box on my list, and I'm honestly almost ready to offer (without even seeing it), but he completely shut me down. He got angry and told me he won't let me see it, that I shouldn't even consider it. After much pushing, he told me that because the listing agent is his ex (which I already knew! We are friends! I know his ex, never liked him, but it was his choice) it would be "too complicated" and "not worth the drama" for him. I'm in a tough spot because I signed a contract, but it feels like a massive breach of his duty to me. He's prioritizing his personal feelings over my best interest, preventing me from seeing what could be my future home. What are my options here? Can I legally break our contract? Should I try to find a different agent? But then…. How do I handle this without ruining our friendship? Any advice on how to navigate this would be a huge. Edit: this is in Illinois. UPDATE #1: Thanks everyone for all your comments. I slept on it (and woke up to all your advice, which reiterated what I was thinking), and I sent out an email to him first, telling him that I am ending the contract effective immediately since he isn't willing to put his personal effects aside in order to fulfill his duties as my agent. I kept what I thought was a friendship out of it; I am hoping that if he is a friend like he says, he will respect my decision and not let it affect it. But if it does, maybe I will get my dream home and get rid of a false friend. Win-win? I reached out to a new agent, hoping to hear soon and be able to do a walkthrough; I'm hoping this is it. Wish me luck. UPDATE 2: The house I think is perfect for me (🤞🏻) has an open house tomorrow. I have not signed with a new agent yet. I will go see it, and I am sure the AH will be there; it's not an issue for me. My now ex-friend returned to my work message, being condescending and saying I will regret it. Didn't even bother replying to the “friend email” I sent. So that is done, and I admit I am relieved; I was trying to see a friendship where there really wasn't one. Just hope tomorrow goes as I hope. 🙌🏼 Relevant Comments Commenter 1: Tell him to take his pick A) Get over it and show you the house B) Release you from the buyer's agreement C) Sit down with his broker and discuss him and his brokerage firm being in material breach of contract by not fulfilling his contractual obligations OOP: Thanks. I asked to be released and he got upset. Said I was putting our friendship (which I value a lot) before his integrity. But I always told him the ex was an AH. Why am I now being punished for his not wanting to deal with him? I feel like I am in a lose-lose situation. Commenter 2: Said I was putting our friendship (which I value a lot) before his integrity. He's putting his petty ex drama before your friendship. This guy cares more about his feelings than providing the professional service he agreed to provide to you. Fire him as your agent and your friend, if he wants to get petty then report him too. OOP: This. The Ex is an absolute AH. I never liked him. And I am not excited about him making money out of this if I do end up getting this house. But I am putting that aside because this place is so promising. And while I get that my “friend” was hurt badly and doesn't want to deal with him, he also needs to put it aside. Commenter 3: Yes. Just get some other agent to show it to you. This can't be a real post unless you are his new lover. OOP: I am not in a relationship with him. We've known each other for a long time. I never thought he would put his relationship with his ex in the middle of this. I thought our friendship was stronger than that. Now I see it isn't. OOP on the friend, his ex, and the commission OOP: I think he doesn't want the ex to get the commission, which I don't either. The guy is an asshole, but I'm not letting that get in the way of my dream home (which I hope is as great as it looks ok the listing). I already told my friend I am moving to another agent, but I haven't heard back yet. Thanks so much for advice. Commenter 4: His broker should be able to transfer you to another agent in the same office. Your friend will get a referral, his broker will keep his commission. Everyone will be happy. Why he didn't suggest this up front is bizarre. OOP: He owns his Real Estate Business. I just had to send a cancellation, and I will work with someone else. I hope he can understand and that we can maintain our friendship. But if he doesn't, then I guess we weren't that great of friends.   Update: August 25, 2025 (five days later from the original post) UPDATE: real estate agent (and friend) won't let me see my dream home Some will read this and say my story is BS (I probably would). I'm still in disbelief about what's going on, but here is the update to my original post about my ex-friend and real estate agent. For those who didn’t see it, I put the link above. In a nutshell, my real estate agent told me I couldn't see my dream house because he had a personal issue with the listing agent. After I told my ex-friend (EF) that I was ending our contract (he got snarky and told me I would regret it), I went to see my dream house at the open house yesterday. I was nervous because the pictures were amazing and the house was exactly what I wanted. When I got there, the house was everything I dreamed of and more. It’s my style, the perfect size, and I loved it. I also ran into the “EX”. While I didn't care for him when they were together, I kept things civil. He never did anything to me. But then he said something that I was definitely not expecting. He asked me why EF wasn't representing me. When I told him we parted ways, he asked, "Oh, because of his sister and her offer?" I was confused and asked what he meant. He told me that EF asked him for a private viewing with his sister when the house was listed. His sister and her husband loved the house and put in an offer, but it was way below the asking price. When EX told EF the offer wouldn't work, he tried to argue that the house would never sell for the asking price. I wanted to run, find EF, and punch him in the face! He knows this house is well within my budget and that I have a pre-approved loan! As some of you remember, his excuse was that he wouldn't show me the house because he didn't want to deal with EX, but now I know that all along he was trying to get his sister a house she couldn't even afford. After the open house, I had a long chat with EX, and what he shared from his point of view about their breakup and other things made so much sense. Now it's clear that EF was a master at manipulating stories to make himself sound like the victim. I can't believe I was friends with him for so long and fell for all of his lies… I am looking for legal advice already (I have a couple of lawyers lined up, none of whom are friends). EX said he is willing to share whatever he can legally disclose to help me if I decide to sue. I'm not looking for anything from EF, I just don't want anyone else to fall for his lies and deceiving practices. As for the house, it's perfect. I'm going to work with EX’s office and use one of their brokers to put in an offer. EX said there is a way to skip the commission my agent would get (I really don’t understand how all these things work, which is probably why I am where I am now). Thank you to everyone who read my drama. I've definitely learned a few things: no business with friends, don't hire someone I can't fire, and don't be so naive. Here’s to incoming pictures of my closing day with a pepperoni pizza. 🍕. —— Edit: When I said below that I am seeking legal advice, I meant for me to report EF. I want to make sure everything is lined up and done properly, especially if he tried to fight back somehow. The lawsuit part was what EX told me; he somehow thought I could. But I don't want anything, even if I had grounds for a lawsuit. I just don't want him to do to others what he did to me. ——- Relevant Comments Commenter 1: An unethical agent, who would have thought! /s I don't know if a lawsuit is really warranted but a complaint to your states licensing agency would be warranted. OOP: Thanks. I requested two lawyers to see if I have any grounds for a lawsuit; I am waiting to hear back. While EX said he would be willing to share whatever he “legally” could, I know it wouldn't be much, and at the end of the day, EF taking his sister and representing her, etc., wasn't illegal. I just want to make sure he can't do what he did to me to others (particularly naive ones like me who think agents have our best interests). Commenter 2: What are you going to sue for? What are your damages? Regardless, it will be at least $3,000 to open a case for discovery. This isn't a reality TV show where people cower from threats. Is the guy a jerk? Maybe. But no one is losing their license over this drama fest. OOP: My use of the word "lawsuit" wasn't the best here. I'm trying to protect myself. I want a Real Estate lawyer to review it all and proceed with whatever can be done. I am not seeking anything other than for him to hopefully not be able to do the same thing to others. Commenter 3: I'd have a conversation with the [whereever you are] [association?] of realtors, or the state licensing board. I think that accomplishes what you want (nipping the unethical behavior in the bud) without making a huge expensive drama out of it. :) So make a complaint to the association or board or state regulatory agency, whatever it is you have there. That should keep it at the lowest level, not cost you anything, and give the profession the opportunity to police itself. OOP: Oh, amazing. That's great to know. This is the type of advice I am here for. Thanks so much. Commenter 4: You’ve consulted attorneys but haven’t put an offer in on your perfect house? You’ve spent time making and updating a reddit post but haven’t put an offer in on your perfect house? hmmmmm OOP: I met with the seller’s broker yesterday morning, and they walked me through the benefits of me working with them versus getting a different/new agent. I wanted the offer done yesterday, but they said they needed 24 hours (their policy is to disclose to their client the sellers before submitting an offer thenselves, which I thought was a very honest thing to do). I didn't update Reddit until all that was done. The sellers are ok with them representing us both, and the offer will be submitted today.   DO NOT COMMENT IN LINKED POSTS OR MESSAGE OOPs – BoRU Rule #7 THIS IS A REPOST SUB - I AM NOT OOP submitted by /u/Choice_Evidence1983 to r/BestofRedditorUpdates [link] [comments]

I've honestly been wanting to make a post like this for a year, curious to see the response I get and the overall conversation. I haven't seen any posts or comments from those in the BDM area of real estate - the "hunting for landlords' business" side. I’ve just walked away from 5 years in property management and BDM (landlord onboarding) and honestly, I’m done. When I started, I thought this job was about helping people — finding a growing family their next home, working with first-time Aussie investors trying to make some extra cash. I can’t even remember the last time I had a "feel good" moment or story about my work. The discrimination is wild - laws don't mean shit. I’ve seen landlords reject people purely because of race, the fact they have kids, or even how they look (searching them on socials). I’ve fought to get certain people approved because I knew they’d be great tenants based on real factors - I don't care if they dress "unconventiona" they can afford your ridiculous rent. I got to a point where I flat-out refused to work for certain landlords, which then penalises me as that's the opposite of my job. Rent bidding starts way before you see the ad. People think it’s just tenants offering over the asking price, but it actually begins when agencies are trying to win a landlord’s business. You’ve got to promise them the absolute highest rent return you can, often completely unrealistic, just to get them to sign with you. That’s why you see places listed $100+ above comparable properties, sitting vacant for weeks. The original price was never for the market, it was to win the landlord. No one trusts anyone.Tenants don’t trust landlords, landlords don’t trust tenants, and no one trusts agents. Of course there are good agents and good landlords out there, but they’re fighting an uphill battle in a system that rewards being the most soulless, money-hungry person in the room. Open to questions about any aspect of my former job. submitted by /u/Alikavyn to r/shitrentals [link] [comments]

Hi all, I’m refining my real estate marketing approach and want to benchmark against seasoned pros in this space. What marketing strategies have you found consistently deliver the strongest ROI and measurable results — whether that’s in lead quality, conversion rates, or overall brand growth? Additionally, from your experience, what’s the single most important outcome I should be targeting to gauge marketing effectiveness in real estate? Looking forward to hearing your expert perspectives and data-backed insights. Thanks! submitted by /u/Routine_Hippo1729 to r/DigitalMarketing [link] [comments]

submitted by /u/Kilo2Ton to r/ABoringDystopia [link] [comments]

submitted by /u/cnn to r/nyc [link] [comments]

Its over. We bought our house 3 years ago. Here's the "value" stats according to Zillow: 2019: $375K 2022: $530K Today: $630K These numbers don't make sense. The only people that really "won" in this situation is anyone who owned property before 2020, before the entire market went nuclear. Real estate is no longer about home ownership. That ship sailed. Where does this end? And before you say, the market will collapse, I'm not sure. Corporate ownership, NIMBYs, zoning laws, supply and demand, 90% of all current mortgages are with low interest rates (under 5.5%) means a lot of ppl in homes are sitting on equity and aren't going to foreclose anytime soon, this isn't 2008 with high interest ARMs, are all reasons I'm not counting on the crash. This is the new normal. submitted by /u/fast_scope to r/FirstTimeHomeBuyer [link] [comments]

TL;DR: Chinese Wealth Management Products (WMPs) started defaulting in August, triggering a massive selloff by China of American bonds and stocks, in turn this is spiking Treasury yields, annihilating banks' balance sheets of long duration low yield t-bills and pulling money from other long term investments like stocks and real estate (which are now entwined and leveraged against each other), into bonds, resulting in the largest long term asset crash in history. ​ This is part four, the final installment in my magnum opus, here the first three parts are in order: The 2022 Real Estate Collapse is going to be Worse than the 2008 One, and Nobody Knows About It - Time to Call your Mom (got the date wrong on this one) The 2023 Real Estate Crash Started 5 Months Ago - and it Just Took Down its First Banks, Your Mom Already Called Me (getting warmer) The Crash this Fall is Now a Mathematical Certainty, but First, Market Goes Up (Nailed It!) (also the title is a little misleading because I wanted it to flow, bond market has been crashing since the summer of 2020, its actually already down more now than at any point in history, but the finance news/fintwit did just finally notice that fact this month) https://preview.redd.it/fnnj9f43osvb1.jpg?width=666&format=pjpg&auto=webp&s=8982d45d52e8dccedbe9972bd89bdc326881e859 China's Black Swan - Wealth Management Products and Shadow Banks On August 18th Zhongrong International Trust (ZRT) missed interest and principal payments to at least three different companies on investment products it had sold them. 11 days later, on August 29th Jingwei Textile pulled its shares from the Shenzen stock exchange due to "significant uncertainties". Jingwei is a central government backed firm.. and is the largest shareholder of Zhongrong. Jingwei's business has absolutely nothing to do with real estate, but China's real estate bust is what took it down. This is what you call contagion. It's also the start of the collapse of the CCP, and no, that's not hyperbole. If you buy Gorbachev's theory that Chernobyl was the incipient event that lead to the fall of the Soviet Union (I don't, for whatever that's worth), then ZRT missing was the reactor blowing up. Ok, so, to explain what's going on here, I'm going to have to go into detail on exactly how the Chinese Real Estate Ponzi works, and how it's been propping up the CCP for a solid decade+ now. Here's a chart I made to try and visualize it all. https://preview.redd.it/7def1j55osvb1.jpg?width=1354&format=pjpg&auto=webp&s=779a3de2f7170e53ed7e4a03dd73bc6ae0d46811 But before we get to that, I'll explain a bit about what China actually is and how the country works. If you haven't heard, China is a communist country that practices "capitalism with Chinese characteristics", the CCP likes to use this phrase and pretend they're doing something new and novel - really, they're not, the specific brand of state enterprise + nationalism + exploiting/stealing the wealth of ethnic minorities + slavery + oligarchic capitalism most resembles the economic systems used by Imperial Japan and Team Evil Germany before WW2. Politically, China pretends they're Communist, really it's a multi-polar dictatorship with competing power centers administered by the same Imperial Bureaucracy that's existed in one form or another since the Qin Dynasty in 221 BCE. It's the deepest of deep states. Xi Jingping has managed to consolidate power at level not seen since Mao during the Cultural Revolution, and might even have a tighter grip than that. Xi has done this by a mix of delivering on the economic growth promise of China, embracing technology and innovation to create the most oppressive, Orwellian surveillance state in the world (suck it North Korea!) and sheer ruthless obliteration and public humiliation of political rivals. The part we're interested in here is the economic growth bit. Deng Xiaoping kick started the current era of economic boom in China with his famous "Black cat/White cat" speech (I've always had in my head that this quote came in a speech in 1979, but researching it I've found dates ranging around the 1960's.) Either way, the more important Deng speech was on June 9th, 1989 after the Tiananmen Square uprising when Deng linked the CCP's authority and right to rule to delivering ever increasing economic growth and prosperity to its citizens. Basically, it was a deal: "you peons know your place, and we'll give you money". https://preview.redd.it/dml80r8cosvb1.png?width=696&format=png&auto=webp&s=0aa450db5ee75e8c0fc142ace771ea7ba91af6ab To really understand why this is a threat to the CCP, in 2000 real estate was 5% of China's GDP, in 2012 it was 15%, and today it's 30%. For comparison, in America, real estate is around 15% of GDP. Also notable is that in China the finance sector has risen to 8% of GDP, while Industrial production has dropped from 45% in 2000 and 2012, to 33% today. In real terms, that means China's real estate market has risen from $60 million in 2000, to $5.4 Trillion in 2022. In other words, real estate + finance is now a larger segment of China's GDP than manufacturing is. The GDP numbers the CCP relies on to keep the peasants in line look a lot less rosy without that boost - over the last 22 years in China, GDP has 15x'd, manufacturing has 10x'd, and real estate has 90x'd. https://preview.redd.it/qldinizdosvb1.jpg?width=720&format=pjpg&auto=webp&s=b443e7e210efbc6eaf44960643f05286d58ea809 Now, back to Zhongrong. ZRT is one of those Wealth Management Product type shadow banks that are making the new versions of MBS and calling it something else. You may ask "why would the Chinese, or anyone, do all this?" And the answer is pretty simple, it's because they had an industrial revolution. The early stages of industrial revolutions are easy and awesome, you borrow, spend on infrastructure, see huge returns, pay off your debt, and do the whole thing again even bigger. And during this whole process, your citizens quality of life is skyrocketing as they get things like roads and bridges and electricity. But then you start to finish the industrial revolution. All the factories have been built. All the busy river crossings have been bridged. All the big cities have airports and highways and trains connecting them. Now you've got a big giant agglomeration of companies and workers that rely on infrastructure spending for their livelihoods, but all the really productive projects are done. So you start building the mildly productive projects, then the marginally productive ones, and then you're just building completely useless garbage (see the US Army Corps of Engineers for a domestic example of this phenomenon). China is on the final stage, but they've ramped up spending as they've moved down the value chain on projects, to the point where instead of getting even pennies on the dollar in value, they're actively spending money to create negative value buildings and roads and railways and bridges and dams that cost enough to remove that the country literally would have been better off if they'd never built them and just paid the workers to stand around for six months. At this point, you can have a recession, retrain your workers, and watch the excess capacity get sold for pennies on the dollar to people who will repurpose it to something useful for a profit - all of which China can't do due to their governing model. Or, and this is what China actually did, you can try to export your shitty construction crews to other countries via "Belt and Road" Infrastructure Projects, while ramping up the asset bubble back home and bringing in ever more new money to keep things rolling along. Then, in 2018, the CCP announced it would limit bailouts for troubled developers. That marked the end of the beginning. In 2021 Evergrande shared a letter warning of a "cash crunch". That marked the beginning of the end. In 2023 ZRT missed on dollar bond payments. And that's the Black Swan for the bubble, China's $11 Trillion shadow banks, asset management industry, and the CCP. Here's a link to an Ernst & Young pamphlet on China's asset management industry, plus a fun highlight that made me laugh when I read it. Originally intended for FMC and securities firms to offer HNWI and institutional investors more customized investment solutions, this part of the industry, at RMB15 trillion upon the end of 2021, have mostly been used as pass-through vehicles to securitize private loans to real estate developers. Finally, we're back to ZRT failing its bond payments in August. Remember, back in 2021 Evergrande started missing payments, but now that phenomenon has spread to pretty much every gigantic property developer, from Country Garden to Poly Holdings to Gemdale (rumored), and its gotten to the point that the $11 Trillion in WMPs are now at risk. Now, which WMPs are good and which are going to blow up? I have no idea, and neither does anyone else, because most of the stupid things are opaque and dodgy by design. That means the entire sector is at risk. So what does China do when faced with this problem? They sell off all their Treasuries and US stocks to keep the balls in the air juuussstt a little bit longer. https://preview.redd.it/79o4guegosvb1.jpg?width=962&format=pjpg&auto=webp&s=107b3cec58577a2d86db863b21a5a41b5d3297e8 The CCP cannot survive a financial implosion of this size, because their right to govern is explicitly linked economic progress. So my guess is a failed invasion of Taiwan in the spring or Xi gets deposed before then. I could easily write dozens of pages on China and everything going wrong there and why, but this is just meant to be a high level overview. America's Real Estate Sell-Off Begins The first rat off the ship of commercial real estate is a company called WP Carey, they're a 50 year old CRE REIT with about $23 Billion under management, and on September 21st, they released this fun little press release, announcing that they'd already sold or were in the process of selling a lot of their office properties, but they were spinning off the majority of them into a whole new REIT (these are all the buildings they couldn't get anyone to buy - this is the creation of a "bad bank" REIT - its designed to house all the stuff that's toxic away from the main firm so the company can survive) and they're taking on a whole big pile of debt to do it. Let me say that again for the silly monkeys wearing a Cone of Shame: WP Carey is taking on debt to sell real estate at a loss, and even doing that they still can't sell the majority of their holdings. This block here is my favorite part of their little scam deal that they're working with Morgan to dump on investors next month: In addition to $169 million of existing mortgage debt outstanding to be assumed by NLOP, NLOP has also entered into a new $455 million debt facility with J.P. Morgan, which was executed by NLOP and is expected to be funded upon the consummation of the Spin-Off, subject to certain conditions. Approximately $350 million is expected to be transferred by NLOP to W. P. Carey in connection with the Spin-Off. You get that? Not only are they spinning off all their most worthless properties, they're taking out a gigantic loan on the spinoff and then paying the proceeds to themselves!!! The fucking sheer, naked greed and corruption on display here is just: https://preview.redd.it/x88cy5ziosvb1.jpg?width=577&format=pjpg&auto=webp&s=b045f46d754ad209e02fbadd114b71e237dee585 WP Carey is the first one out the door, but there will be plenty following them. A trickle at first, then a flood. I know some people have been concerned Wall Street will just buy all the houses, or that prices will just always go up, but, uh, they're all wrong. Why are so many people so wrong? Let's break it down. No shortage/supply (except canada) money wants bonds buy bottom sell top In 1946 3.4 million baby boomers - the first boomers, were born. Today they're all 77 years old, which is the average American life expectancy. For the next 25 years, 3-4 million boomers will die every year. 78% of boomers own a house. That's constant selling pressure coming for decades. I know the press is all over the whole "property only goes up!" bits, and loves going on and on and on about how unaffordable the American Dream is and how you can't get a house anymore, etc etc. Now ask yourself what was the press saying about real estate during the actual best times to buy after 2008? Were they pumping real estate to regular people then? Or were they talking about what a mistake it was to have taken out a mortgage so the Wall Street firms that own them could buy at the bottom? Now are they pumping real estate today because its still a great deal, or do their corporate owners need exit liquidity at the top? Here's some charts showing just how much housing supply is coming online right now, and don't forget to add in the million+ housing units coming online as cities across the country, from New York to Kansas City to San Francisco ban or restrict short term rentals. Here's a graph showing that apartment construction is significantly higher today than at any point in the last 50 years. https://preview.redd.it/np5xo9jlosvb1.png?width=1318&format=png&auto=webp&s=af913d1b244fe9e7512d9282aa8afb214ae62af7 This link from the Census Bureau and FRED shows millions of single family homes being built every year for the last three years, and millions more under construction. Housing Completions Privately‐owned housing completions in September were at a seasonally adjusted annual rate of 1,453,000. This is 6.6 percent (±10.2 percent)* above the revised August estimate of 1,363,000 and is 1.0 percent (±13.7 percent)* above the September 2022 rate of 1,438,000. Single‐family housing completions in September were at a rate of 998,000; this is 5.3 percent (±11.2 percent)* above the revised August rate of 948,000. The September rate for units in buildings with five units or more was 445,000. So, to recap the bull case for real estate prices - houses are the most expensive they've ever been in modern American history, supply relative to population is the highest its been in decades, 55 million homes are owned by people who are going to die over the next 20 years**, fixed ownership costs like property taxes and insurance are skyrocketing, there is record building of both houses and apartments going on, and you think this means prices are going to rise more? Good luck. Look, this isn't going to play out like 2008 because the problems are different, the vast majority of people with 2-3% mortgages just aren't going to sell, and they don't need to, but prices of new and existing properties are going to drop, hard, as investors are forced into taking losses to unload unprofitable assets. Related, a whole lot of people with an AirBnB or rental property, or who took out a loan against their 401k to help themselves or their kids buy a house with cash, or flip houses are about to discover they're investors. ​ 2020 2023 ​ The Bondpocalypse Comes And now we get to the part where it all comes together like Hannibal from the A-Team smoking a cigar before the credits. If you haven't heard, bond yields are up a lot. Like a lot a lot. Which means the trillions in Treasuries that were sold during COVID are now down as much as 40% or more. And so is all the MBS backing those 2% home loans. Which is why the banks are all in trouble and the FED is losing money instead of paying dividends to its owners (wall street and rich foreigners). But, its not just older treasuries that have gone bad. Basically any kind of long term asset backed, fixed rate loan is hot garbage now. Think of it as kind of the inverse of the 2008 MBS crisis. The mortgages are good, but the bonds are bad, because the yields are too low relative to treasuries and new MBS. There is roughly $7.3 Trillion in MBS on bank, pension, and institutional books that has a rate below 4%***. All of that debt is wildly underwater, even though the mortgages backing it aren't failing, because new 30 year mortgages are now being issued at 8%, and new Treasuries are over 5%. There is also over $4 Trillion is CMBS debt that is just plain bad, because the underlying is often worthless, and Ladder Capital (formed and run by the former Bear Stearns MBS staff) played a key role in pumping up that market in the exact same way they did with MBS before 2008. Chinese WMPs are about $11 Trillion, and while not all of that is bad, enough of it is that the entire pile is more sus than Robert Kraft at a massage parlor. Meanwhile, while Evergrande gets all the headlines (and they're up for a wind-up hearing that could finally zero-out their bonds at the end of October), Country Garden - which is 4x the size of Evergrande, is currently in the process of defaulting on its dollar bonds, and more than FIFTY (50) property developers in China have defaulted overall so far. There is around $5.3 Trillion in private mortgage debt in China. This data all comes from CCP data which has historically been... shall we say optimistic about the state of things. Meanwhile, there are around***\* $25 Trillion of Treasuries in 2023, and they've fallen in value by 25% since 2020. That's the worst decline by percentage in US history. For reference, the decline before the Civil War in 1860 was only 18%. Yes, government bonds are now down by more than when the government was fighting a war against half of itself. So how does this play out? Well, the first part, foreigners selling UST and driving up yields is happening right now. We're going to see a bunch of war coming, because there are a whole lot of immoral, incompetent leaders with trash economies worldwide who need a war to rescue them. My personal guess on the kickoff event for that will be some kind of big cyber attack, and whoever gets blamed for it will be the proud recipient of a bunch of free bombs shipped express air delivery. This would create a "flight to safety" and create a whole bunch of buyers for USTs, dropping the yields and blowing up the gigantic short position hedge funds have built against them, which would drop yields even more, making the current 5% bonds very valuable. Let's check the likelihood of this scenario by looking at how the rich are positioned. https://preview.redd.it/hgszhxbsosvb1.jpg?width=1400&format=pjpg&auto=webp&s=59266330e08d13c789e06f709f49c170aa201333 In this kind of graph, "households" means rich people with enough money to be significantly invested in markets. Looks like they sold the 2020-21 top and are buying the absolute heck out of the current bottom. Funny how the FED and mutual funds (your retirement 401ks at work!) conveniently took the other side of that trade both times. Well, lets double check this by looking at other kinds of rich people. Say CEOs. How are they doing this year? https://preview.redd.it/winedvqtosvb1.jpg?width=1296&format=pjpg&auto=webp&s=06f3c10839b1759b84fcc60292e5f1f0c5fa1595 On a sad but related note, women and non-white minorities are often appointed to CEO when the outlook for business is bad. Awkward. Very Awkward. The worst part about that, I just flat out guessed that if this many CEOs were bailing they'd be appointing lots of potential scapegoats, did a quick check on google and... well, read the links. It's also funny how JPOW just kept raising the rates paid on the ONRRP to keep it growing, even at the risk of "clogging" the financial system to death to ensure there was a giant pile of money just waiting to keep the UST bids in check for when China started liquidating their holdings. And if you overlay the charts, you can see the ONRRP fall in time with China's UST selloff and Japan's Yenterventions. The patterns are all there out in the open once you learn to look for them. Trillions and Trillions of dollars have been wiped out globally, and a whole lot more is coming after it as the damage spreads from sector to sector. Wut Mean GME? Well, the good news here is that if you cross reference this pile of DD by me, u/-einfachman-'s Burning Cash Series, and u/peruvian_bull's Dollar Endgame Series you get three different takes on the road to MOASS that all kind of end up in the same place - a big ol market crash leading to the squeeze and the Fed going crazy with printing. I don't know how much longer left, or where the bottom or top will be, but I can, finally, with complete confidence say: https://preview.redd.it/wrjlzafvosvb1.jpg?width=631&format=pjpg&auto=webp&s=2e758100e050fbbdcc8593926ae0a9abafa084ce You're great apes, love you all. Have a great week and stay safe out there. \sources CNN, Ernst & Young, Daily Mail, OECD, PWC, Bloomberg News, IMF, FRED, Census Bureau) \*71.6 million boomers still alive, 78% of them own homes = 55 million homes owned by boomers) \**calculated by me from different pieces of FRED data) \***data here only goes to the end of 2020, it's gone up another $4 Trillion since then) submitted by /u/catbulliesdog to r/Superstonk [link] [comments]

Redfin, a popular internet real estate site says the average home in the US can only be afforded by workers making a salary of $115K or more. That’s a 15% year-over-year increase and the highest annual income on record to buy a home. Just to put things in perspective $115K is the top 18% of all US individual incomes. The article also goes on to say that rental rates have risen sharply in nearly every major US market. The housing market is so unaffordable that buyers need to make nearly $115K to afford the average home submitted by /u/sold_myfortune to r/antiwork [link] [comments]

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