On The Market

On the Market 373 - Trump Floats 50-Year Mortgages

Headlines from Today’s Show:

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Learn Flipping from the Pros with James’ Book, "The House Flipping Framework"

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Flat Home Prices “Mirror” 1990s: Small Multifamily Bound for Major Upswing Nov 18, 2025

Show notes

Another year is nearly in the books. The 2025 housing market was largely defined by construction oversupply, sluggish rent growth, flat home prices, and widespread turbulence, with residential real estate moving far more slowly than anticipated and commercial real estate all but grinding to a halt.

Yet it appears we’ve reached the bottom, and the silver lining is clear: real estate is still ripe with opportunity forinvestors who arewilling to play the long game.

Today, Brian Burke returns to the show to share where investors should be directing their attention in 2026. Perhaps unsurprisingly, one asset class continues to deliver for investors who are intent on building long-term wealth with real estate. And Brian believes we may be entering a period that could mirror the early 1990s, where the wisest move is to slowly accumulate these assets before the next wave of appreciation.

Slower rent growth might keep otherwise great assets from paying off in year one, but those who persevere through a “season of patience” stand to be rewarded when it really counts: 5 or 10 years from now.

In This Episode We Cover

Forecasting new construction, home prices, and mortgage rates in 2026

Why a period mirroring the early 1990s could be followed by a 2000s-style boom

The roadmap for building generational wealth with small multifamily properties

Why investors should focus on asset accumulation in a “season of patience”

The asset Brian believes is the biggest “bright spot” in a tough housing market

The benefits and potential dangers of the controversial 50-year mortgage

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

3 Steps to Buying Your First (or Next) Small Multifamily Property

Brian's BiggerPockets Profile

Pick Up "The Multifamily Millionaire, Vol I"

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Trump Floats 50-Year Mortgages: Cash Flow Boost or Affordability Illusion? Nov 13, 2025

Show notes

50-year mortgages could be coming sooner than we expected. This week, President Trump announced on social media the possibility of longer mortgage terms hitting the housing market. Extending the standard 30-year fixed-rate mortgage to 50 years will have massive implications for home prices, affordability, and cash flowfor rental property investors.

The question is: Will it actually happen? And if it does, how would these new mortgage rules affect your returns on real estate?

We did the math, comparing a 30-year mortgage vs. a 50-year mortgage to see which gives you bigger (total) returns and builds your wealth faster. The cash flow differences are notable and could mark significant improvements for landlords, but one drawback could be so great that investors turn away from this new mortgage entirely.

Dave gives the pros and cons, shares what housing market experts are concerned about, and answers the question: Would he use a 50-year mortgage if given the option?

In This Episode We Cover

Trump’s new 50-year mortgage proposal that could change the housing market

30-year vs. 50-year mortgage returns on rental properties (cash flow, amortization, total returns)

Why one outspoken housing expert is growing concerned about the support for 50-year mortgages

One massive tradeoff that most Americans aren’t aware of when using a longer mortgage period

Is a 50-year mortgage even…legal? What the current mortgage regulations say is and isn’t allowed

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Amortization in Real Estate: What It Is & How To Calculate It

Run Your Rental Numbers with Dave’s Book, "Real Estate by the Numbers"

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New Recession Indicator Shows Americans Worse Off Than We Thought Nov 11, 2025

Show notes

The United States is on the brink of a recession, according to major multinational bank UBS. Meanwhile, America’s largest bank, JPMorgan Chase, says recession risk is only at 40%. Who’s right? Who’s wrong? We’re using a new recession indicator in this episode to reveal America’s real risk of sliding into another downturn.

If it feels like your dollar doesn’t go as far as it used to and your salary is barely keeping up—you’re not imagining it.

But according to official sources, America has only been in a recession for three months since the Great Financial Crisis. That can’t be right when it’s getting this hard to get by. That’s why, in this episode, Dave shares his new recession indicator, based on the average American’s finances, to measure the financial health of real Americans, not what corporate earnings reports suggest.

Looking back, the economic data doesn’t fit the official narrative. And if you feel like you’ve been in a recession for years, you might be right. But you can still protect (and grow) your wealth while the economy falters. Are your investments keeping your real wealth afloat?

In This Episode We Cover

The new “recession indicator” that forecasts whether average Americans will struggle or not

Recession predictions from top banks and whether we’re on the precipice of a crisis

Why the standard definition of a “recession” is wrongand ignores average Americans

The alarming statistic that shows just how much of your spending power has been eaten away

How to recession-proof your finances and invest so you can weather economic storms

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

BiggerPockets Real Estate 1119 - How to Invest in Real Estate During a Recession (2025 Update)

Major bank issues warning that there’s a 93% chance of a recession in the US this year

JPMorgan Chase: The probability of a recession has fallen to 40%

Buy the Book, "Recession-Proof Real Estate Investing"

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Housing Demand Grows as 10 Major Cities See Price Drops Nov 06, 2025

Show notes

The housing market is seeing a (surprisingly) positive trend. Yes, even with all those YouTube channels showing you “empty” houses, it seems that homebuyers, especially millennials, are getting back into the game. This is excellent news for agents, lenders, title companies, sellers, and flippers. So, what’s the “positive” trend we’re seeing?

We’re back with another headline episode to get you up to date on the housing market in just around half an hour. First, new data points to housing demand increasing as mortgage rates stay away from their 7%+ highs. Is there a path to 5% interest rates in the near future? Yes, but the road to it won’t be pretty. Here’s what would have to happen for us to get there.

Can you guess the top 10 cities with the largest price drops in the US? We’re sharing the complete list in this episode, with some surprising cities near the top. Finally, we’ll discuss the massive layoffs from tech, including Amazon’s recent firing of over 10,000 well-paid employees. If you live in an area where these layoffs are happening, the market could see a noticeable shift.

In This Episode We Cover

Why housing demand is actually going up while economic optimism is going down

A 5% interest rate future? What actually has to happen for us to get there

The top 10 United States cities seeing the most significant price drops

Why James is preparing for layoffs ASAP and tweaking his investing strategy as jobs get cut

Money printing…again? The dangerous door that’s opening for quantitative easing

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Grab Dave’s Book, "Start with Strategy"

BiggerPockets Real Estate 1191 - Home Prices Could “Stall” for Years

Articles from Today's Show:

HousingWire: Housing demand now reflects a positive trend

ResiClub: Bank of America: Path to 5% mortgage rates if 'the Fed does MBS quantitative easing'

Yahoo Finance: When will housing prices drop? Costs have already decreased in some major metro areas.

Yahoo Finance: Layoffs hit Amazon, UPS, Target, and more — what's fueling the cuts

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Why Mortgage Rates are Rising as the Fed Keeps Cutting Nov 04, 2025

Show notes

The Fed cuts rates, and mortgage rates go up. Then they do it again, and rates…go back up. How does this keep happening? Has the Fed lost complete control over mortgage rates?

The Fed has now cut rates twice in 2025, and we’re hovering around the same (if not slightly higher) mortgage rates as before the first cut. Afterlast week’s rate cut announcement, investors were surprised to see that mortgages—once again—got even more expensive. But it’s not because of what the Fed did—it was because of what they said, potentially foreshadowing a slower, longer path back to 5% mortgage rates.

Dave is on to explain why mortgage rates moved in the opposite direction, why we could be stuck with higher mortgage rates for longer, and the two things that need to happen for mortgage rates to break back into the 5% range. Plus, he’ll share three realistic scenarios that could cause rates to move in different directions and what could trigger each.

In This Episode We Cover

The Fed meeting announcement explained and why mortgage rates went up

The real reason why we’re not seeing mortgage rates fall below 6%

Alarming corporate layoffsand whether this is a warning sign for the entire economy

Some good/bad news about inflation and the cities that are faring the worst

Three likely mortgage rate scenarios that could send rates in different directions, without the Fed making moves

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Grab Dave’s Book, Real Estate by the Numbers

BiggerPockets Real Estate 1194 - Don’t Bet on the Fed: What Investors Need to Do Now as Rates Rise Again

Join the Future of Real Estate Investing with Fundrise

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New Zillow Forecast: Best and Worst Housing Markets of 2026 Oct 30, 2025

Show notes

The national housing correction is here but your results will be decided locally. Some markets are cooling gently, others are slipping fast, and a few affordable metros are still running warm. So where does that leave buy-and-hold, flips, STRs, and BRRRRs? We map the dramatic regional split, Midwest/Northeast steadier, Gulf Coast/Texas under pressure, and show how to match your strategy to on-the-ground realities like inventory, rent growth, and affordability.

You’ll hear why “flat prices + rising rents” can be a green light for cash flow, when to take a calculated swing in oversold-but-strong-fundamentals cities (think Austin/Nashville/Dallas), and where supply and insurance costs are pushing deeper discounts (hello, Florida). We also dig into metro-level forecasts into 2026 and why your underwriting should look different in Milwaukee than in Miami.

In This Episode We Cover

Local > national: why the same correction looks totally different by region and price tier

Affordability & supply: the two signals driving winners and laggards (and how to measure both)

Hottest vs. coolest markets: where buyers have leverage and where demand still pops

Rents vs. prices: pairing flat/declining prices with rising rents to improve cash flow

Risk-on vs. risk-off playbooks: conservative buy boxes vs. opportunistic dips in strong cities

Flipping in a slowdown: wider spreads, longer days-on-market, how to price and pace

Forecasts into 2026: what recent metro projections imply for your next 3 - 12 months of deals

Hold or sell? Handling “paper losses,” market selection, and underwriting for a slower cycle

Links from the Show

Join the Future of Real Estate Investing with Fundrise

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Smart Money is Going After New Homes as Builder Desperation Grows Oct 28, 2025

Show notes

Discover how a new era of real estate investing could benefit you! In this episode, Doug Brien, CEO of Roofstock, joins the discussion to uncover the evolving dynamics in the housing market. Learn why new construction, once considered a riskier bet, is now an exciting opportunity due to adjusted interest rates and surplus supply. Doug dives deep into the intricacies of institutional single-family home investing, sharing insights on why market fundamentals—like housing demand and supply shortages—make single-family rentals a savvy choice. Curious about where savvy investors are putting their capital? Tune in to discover how you can leverage these market shifts to enhance your real estate strategy.

Links from the Show

Join the Future of Real Estate Investing with Fundrise

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What We’re Buying During This Real Estate Correction Oct 23, 2025

Show notes

Are you ready to navigate this real estate market correction? While some experts argue whether we're in a crash or a correction, our hosts explore practical strategies to adapt and thrive. Discover how you can make profitable decisions during these times of stagnant or slightly declining housing prices. With insights from real estate pros Kathy Fettke and Henry Washington, learn how they are adjusting their investing strategies to cope with changing interest rates and housing prices. Whether you're recalibrating expectations or exploring opportunities in less conventional markets, this episode offers valuable perspectives to help you ride out the correction and capitalize on long-term wealth building. Tune in to equip yourself with frameworks that withstand the test of fluctuating mortgage and interest rates!

Links from the Show

Henry's BiggerPockets Profile

Kathy's BiggerPockets Profile

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Homebuyer Cancellations Spike, New Price Forecast Shows Slow 2026 Oct 21, 2025

Show notes

Feeling anxious about the housing market? You're not alone. Recent data show that U.S. cancellation rates for property deals have reached a record high this year, with buyers taking advantage of more moderate conditions to re-evaluate their options. With a projected 10-year increase in housing prices by about 23.5%, experts suggest we may finally be heading towards a more stable market environment, where traditional investment strategies like securing great assets at fair prices could truly shine. Curious about how real estate fraud could impact investors as the market evolves? We’ll also explore rising cases of fraud and the steps you can take to protect yourself. Dive into this episode as we unravel the complexities of short-term housing trends and long-term predictions, while maintaining a proactive approach to safeguarding your investments.

Links from the Show

Join the Future of Real Estate Investing with Fundrise