How housing costs got here and where they're going.
| Platform |  | Pricing | Freemium | Publishes | Daily |
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| Issues | 643 | Founded | 4 years ago | Last Issue | 5 days ago |
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kevinerdmann.substack.comLatest Issues
Pew: “Mortgage Lending Standards Are Too Tight”
Adam Staveski and the housing team at Pew have a great new piece out about the post-2008 tightening of mortgage access. You should go read the whole thing. It is great to see this topic getting some attention.
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Here are vario...
Anecdotal Description of Supply Constrained Homebuilders
This is a sort of follow up to my posts that interpret the evolving monthly residential construction data, to give a little bit of background to my comments, in case some of you find it hard to follow my intuitions on the current market.
T...
July 2026 Residential Construction
There still isn’t much to talk about.
There still isn’t much to talk about. Everything is moving sideways. Long boring recovery, etc.
The federal debt problem is a consequence of the mortgage moral panic.
Our housing crisis is the result of one issue, and only one issue. Everything else is an aggravator of that issue, at best. We have a housing shortage that can be described as being in crisis because our willingness and capacity to build ne...
Urban Institute looks at young adults at home.
The Urban Institute has a helpful look under the hood at young adults between 25 and 34 living at home. “High Housing Costs Are Keeping More Young Adults in Their Parents’ Homes”, by Jun Zhu, Jung Hyun Choi, and Laurie Goodman.
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Authors
The writers behind this newsletter.
I discovered a new framework for understanding the housing bubble, the financial crisis, and costly housing markets. And, I have developed a novel framework for estimating the effects of supply constraints vs changing demand on home prices.
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