Oh SH*T! This is the BIGGEST real estate crisis since 2008 | Morris Invest

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The United States government has avoided a complete financial disaster the past few years. Here are just a few of the tricks they keep up their sleeve: printing trillions of dollars, artificially lowering interest rates followed by rate hikes, and selling off bonds.
But now, we’re seeing a breaking point via a commercial real estate crash. This is not speculation; it’s unfolding before our eyes. Federal Reserve Chair Jerome Powell warned, “there will be bank failures” at the Senate Banking Committee in early March.
How did we get here? The pandemic marked an important change in the United States workplace. The work from home revolution changed everything in the once profitable office space. Americans are no longer commuting to and from office spaces.
Moody’s Analytics found that 19.6% of office spaces were not leased in the fourth quarter of 2023, up from 18.8% in 2022.
Commercial leases usually have a 5–10-year lifespan. Many of which, are coming due this year and into 2025. It’s estimated that nearly $1.5 trillion in commercial real estate loans is due for repayment by the end of next year. This combined with higher interest rates has put immense pressure on leaseholders. Now we’re seeing multiple businesses defaulting on their loans.
Not only are the banks are failing. Cities too, are affected by commercial real estate and banks failing. The consequences will undoubtedly reach small local economies, and potentially even worldwide.
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[SteveDutton-v]

I bought a house in 2021. The insurance and property taxes have doubled since then, and now costs more than I ever paid in rent in my life. I feel that I would be better off living in a studio apartment in a warehouse again and investing the money in anything else.

[tonysilke]

Mortgage rates are currently at an all time high since 2000(23 years) and based on statistics on inflation, we might see that number skyrocket further, a 30-year fixed rate was only 5% this time last year, so do I just keep waiting for a housing crash before buying or redirect my focus to the equity market

[Muller_Andr]

I am 53 and retired at 50. 1 thing I did do to retire early was to get out of the 401K and IRA programs. Bought rental real-estate and I am now a Limited Partner in about 3500+ units. I do not work.

[NicholasBall]

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

[michaelschiemer]

I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?

[tinsleyLuna]

Every crash/collapse brings with it an equivalent market chance if you are early informed and equipped, I've seen folks amass up to $1m amid economy crisis, and even pull it off easily in favorable conditions. Unequivocally, the collapse is getting somebody somewhere rich,

[georgeearling]

It's definitely a concerning topic. The real estate market plays a significant role in the economy, so any crisis could have far-reaching effects

[amirm-tnrq]

Given the ongoing global economic challenges, it's crucial for everyone to diversify their income sources, especially those not dependent on government support. Now is an ideal time to explore investments in assets like gold, silver, and digital currencies such as Bitcoin, Ethereum, and XRP. Thanks to Loraine Souvenir for her outstanding proficiency and guidance in these fields.

[GregMerchant]

I just sold a property in Houston and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

[ChloeCarter-kdgz]

I'm hoping there will be a housing crisis so I can buy cheaply when I sell a few houses in 2025. As a backup plan, I've been thinking about purchasing stocks. What advice do you have for choosing the best buying time? On the one hand, I continue to read and see trading earnings of over $500k each week. On the other side, I keep hearing that the market is out of control and experiencing a dead cat bounce. Why does this happen?

[irevtiu]

So committed with XAI46K and a bit of XRP, too much potential

[pugsymalone]

Clayton, you can help millions of people in America if you explain and expose "non judicial foreclosure." It's how people get robbed of their homes by the bankgovernment.

[kristii_]

As always, a great analysis. Newcomers often wonder if it's too late to navigate the financial market, but the market is always unpredictable. Trading has more advantages than simply holding, so it's important to learn before diving in. Active trades are necessary to ride the market's waves. Thanks to Whitney Eston insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings, managed to grow a nest egg of around 127k to a decent 532k. Kudos to the journey ahead!

[austinbar]

I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?

[hollymartin]

I’m in a mid-sized bank but only for income deposits, which I pull immediately. Liquidated everything else. After working with corporate banks for 22 yrs, no way I’m trusting them with my $$$$

[RD-iosm]

Politicians and Corporates: "The economy is functioning as intended" 😉

[JimPowellS]

Companies being allowed to sit on these vacant properties for years and leverage debt against them, only for them to decay and rot and foreclosed on later should be criminal.

[kennethprice]

Gold and silver, my best bet...if you dont hold it you dont own it

[xanderthegreat]

And. Saudi Arabia dumping treasury bonds

[MrNatural-fqtq]

This is why for the past 6 months, companies are forcing their employees back to the offices. The real problem is this, the Federal Reserve should not be tampering with interest rates like they been doing. Inflation can be stopped by wage, price, rent, etc freezing as was done in the past to stop runaway inflation. The problem is the Federal Reserve and the president not taking action to freeze prices.